Eleven calculators built on the current IRS contribution limits and RMD table, not a number someone forgot to update. Know what you need, whether your 401k is on track, and what a required distribution will actually be.
Everything you need to plan, save and project - in plain numbers.
How much you need to retire comfortably, and whether you're on track.
Open calculator →Compare after-tax retirement value of Roth and Traditional contributions.
Open calculator →Required Minimum Distributions using the IRS Uniform Lifetime Table.
Open calculator →Compound growth of a lump sum plus regular contributions.
Open calculator →Project your 401k at retirement with employer match and salary growth.
Open calculator →Contribution limits and the RMD start age are federal figures that change most years. Here is what the calculators use right now; the full sourcing is on the editorial standards page.
| 401k / 403b employee limit | $24,500 |
| 401k / 403b catch-up (50+) | $8,000 |
| 401k / 403b catch-up (60-63) | $11,250 |
| IRA contribution limit | $7,500 |
| IRA catch-up (50+) | $1,100 |
| RMDs begin at age | 73 |
Figures are for the 2026 tax year, per IRS Notice 2025-67, Nov. 13, 2025. We update these every fall once the IRS publishes the next year's amounts. See how we source and recheck them.
Starting balance $10,000, contributing $500 a month, growing at a 7% annual return, compounded monthly. This is a hypothetical illustration, not a projection tied to your own numbers; the investment calculator runs the same math on your figures.
| Year | Balance |
| 5 | $50,000 |
| 10 | $106,600 |
| 15 | $187,000 |
| 20 | $300,900 |
| 25 | $462,300 |
| 30 | $691,200 |
The jump between each five-year mark gets bigger even though the monthly contribution never changes. That is compounding doing the work, and it is the same reason starting ten years earlier matters more than saving twice as much later.
The 401k, Roth IRA, and RMD calculators use the current IRS figures, and the editorial standards page names the exact IRS notice or table each one came from and when we last checked it.
The 4% rule guide attributes the rule to Bengen's original research and the 1998 Trinity study by name, and covers what those papers do not promise, not just the headline number.
Guides here carry a byline from a specific person, not "our team." See the authors page for who writes and who checks the numbers before a page goes live.