TALLIVO401(k) Calculator
Project your balance at retirement — salary growth, the 2026 IRS contribution limit, and the employer match that too many people leave on the table.
| Year | Balance | Contributed (you + match) |
|---|---|---|
| 2026 | $25,000 | $0 |
| 2027 | $36,100 | $9,350 |
| 2028 | $48,258 | $18,981 |
| 2029 | $61,555 | $28,900 |
| 2030 | $76,081 | $39,117 |
| 2031 | $91,930 | $49,640 |
| 2032 | $109,204 | $60,480 |
| 2033 | $128,013 | $71,644 |
| 2034 | $148,473 | $83,143 |
| 2035 | $170,711 | $94,988 |
| 2036 | $194,860 | $107,187 |
| 2037 | $221,066 | $119,753 |
| 2038 | $249,483 | $132,695 |
| 2039 | $280,278 | $146,026 |
| 2040 | $313,628 | $159,757 |
| 2041 | $349,725 | $173,900 |
| 2042 | $388,772 | $188,467 |
| 2043 | $430,990 | $203,471 |
| 2044 | $476,614 | $218,925 |
| 2045 | $525,894 | $234,843 |
| 2046 | $579,102 | $251,238 |
| 2047 | $636,527 | $268,125 |
| 2048 | $698,477 | $285,519 |
| 2049 | $765,286 | $303,434 |
| 2050 | $837,309 | $321,887 |
| 2051 | $914,928 | $340,894 |
| 2052 | $998,549 | $360,471 |
| 2053 | $1,088,612 | $380,635 |
| 2054 | $1,185,584 | $401,404 |
| 2055 | $1,289,967 | $422,796 |
| 2056 | $1,402,298 | $444,830 |
| 2057 | $1,523,154 | $467,525 |
| 2058 | $1,653,151 | $490,901 |
| 2059 | $1,792,948 | $514,978 |
| 2060 | $1,943,254 | $539,777 |
| 2061 | $2,104,825 | $565,320 |
Contributing 8% of an $85,000 salary from age 30 to 65, with a 50%-up-to-6% employer match and a 7% assumed return, builds a 401(k) of about $1,837,911. Of that, $411,142 is your own money, $154,178 is employer match, and $1,272,590 is investment growth.
The match alone is worth $2,550 in the first year — money you forfeit by contributing less than 6%. Assumes 3% annual raises; the 7% return is an assumption, not a guarantee, and the figure is pre-tax.
How the projection works
Each year, your balance grows at the expected return, then the year's contributions are added: your deferral (a percentage of that year's salary, capped at the 2026 IRS limit of $24,500) plus the employer match. Salary rises by your annual raise, so contributions grow over time even at a fixed percentage.
The match is free money: at a 50%-up-to-6% match, contributing at least 6% earns an instant 50% return on that slice before any market growth. The chart splits your balance into what you put in, what your employer added, and what compounding did.
Common questions
How does an employer match work?
How much can I contribute in 2026?
What return should I assume?
Does this include taxes?
How we calculate this
Annual compounding, end-of-year contributions, employee deferral capped at the 2026 IRS limit (held constant), no catch-up, fees, or vesting. Nominal, pre-tax figures — not financial advice.
Where to go next
For money outside a workplace plan — a brokerage account or an IRA — project growth with your own contribution schedule, without the match and limit logic.
This projects the balance, not what you keep after tax. To settle the choice itself, compare Roth against Traditional on after-tax value — at the same tax rate they turn out to be identical.
Projections assume a constant return and a constant contribution limit; markets fluctuate, limits change annually, and employer plans differ (vesting schedules, true-up policies, Roth options). Estimates for general information only — not financial, tax, or investment advice.