Take stock of your 401(k).

Model your contributions, employer match, fees, and investment growth — with a simple estimate of retirement income.

Your plan

years
years
$
$

Saved in this browser only — see it plotted against national averages →

%
%
Employer matchFor example: 50% up to 6%
%
%
%
%
%
Estimated balance at age 67
$0
Projected future dollars
From you
$0
Employer adds
$0
Monthly income at 4%/yr
$0
AI buildout share (est.)
$0

Projection vs. national average

Average by age (Fidelity Q2 2026)Future dollars
Projected 401(k) balance compared with the national average by age A line chart comparing your projected account balance with the national average balance by age, from your current age to retirement age.
Your current balance + contributions$0
Employer contributions$0
Estimated investment growth$0

2026 contribution limits

$24,500Under age 50
$32,500Age 50 and older

Ages 60–63 may contribute up to $35,750 with the SECURE 2.0 super catch-up. Regular employee deferrals plus employer additions are capped at $72,000; eligible catch-up contributions sit above that cap. The projection applies these 2026 limits each year, though future limits may change. IRS details

How the estimate works

Contributions are added monthly. Returns are shown after the fee you enter; salary and contributions rise with your salary-growth assumption. The 4% figure is a planning shortcut, not a guarantee. The dashed line shows the national average 401(k) balance by age (Fidelity, Q2 2026), carried forward with your inflation assumption so the comparison holds in both dollar modes. The AI buildout share assumes your balance tracks a broad S&P 500 index fund, where the seven largest AI-infrastructure companies are about 32% of the index (September 2026); your plan's actual funds may differ.

How do you compare?

See average 401(k) balances by age, IRS contribution limits by year, and the AI bet inside your 401(k).

Illustrative estimate only. Markets, fees, taxes, plan rules, and withdrawal needs can materially change results. This is not investment or tax advice.