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Estimated Future Annual Contributions

Enter the annual amount you and your employer expect to invest in your retirement accounts. Be sure to include any employer matching contributions.

Annual IRS limits on contributions to 401(k) and 403(b) plans, IRAs and SIMPLE plans are shown below. Employer-sponsored plans may designate a lower limit. The calculator does not apply these limits, so it is possible to overstate your contributions.

401(k)/403(b) annual contribution limits

Tax year

Age 49 and under

Ages 50–59 and 64 and over

Ages 60–63

2026

$24,500

$32,500

$35,750

 

IRA annual contribution limits

Tax year

Age 49 and under

Age 50 and over

2026

$7,500

$8,600

 

SIMPLE plan contribution limits

 

Tax year

 

Plan size (# of employees)

 

Ages 49 and under

Additional catch-up salary deferral contribution if permitted by plan

Ages 50–59 and 64 and over

Ages 60-63

2026

25 or fewer

$18,100 or 100% of participant compensation, whichever is less

$3,850

$5,250

2026

26 or more

$17,000 or $18,100 if higher employer contributions are made*

$4,000 or $3,850 if higher employer contributions are made*

$5,250
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Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.
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This content, developed by Capital Group, home of American Funds, should not be used as a primary basis for investment decisions and is not intended to serve as impartial investment or fiduciary advice.