About 401k Retirement Calculator

Our Mission

We provide free, accurate, and easy-to-use retirement calculators to help Americans plan for a secure financial future. Our tools are updated annually with the latest IRS contribution limits and tax rules.

Why We Built This

Retirement planning shouldn't require expensive financial advisors or complicated software. We believe everyone deserves access to quality retirement planning tools, completely free.

Our calculators help you:

• Estimate your 401k balance at retirement
• Calculate Required Minimum Distributions (RMDs)
• Determine Roth IRA eligibility and contributions
• Estimate Social Security benefits
• Plan for early retirement or withdrawals

Data Sources

All calculations are based on official IRS publications and Social Security Administration data:

• IRS Publication 590-B: Distributions from IRAs
• IRS Publication 560: Retirement Plans for Small Business
• Social Security Administration: Benefit calculators and actuarial tables
• IRS Notice 2024-80: 2026 contribution limits

Updates

We update our calculators annually (typically in November) when the IRS announces new contribution limits and cost-of-living adjustments for the following year.

Last Updated: January 2026

Contact Us

Have questions or feedback? We'd love to hear from you.

Email: hello@401kretirementcalc.com

We typically respond within 2-3 business days.