Your Plan
2026 limits: 401(k) $23,500 · IRA $7,000 · HSA $4,300
30-Year Projection
After-tax value at retirement
Traditional 401(k)
Pre-tax in, taxed out
$754773
Roth IRA
Taxed in, tax-free out
$735420
Employer Match
Free money (Traditional bucket)
$483829
🏆 Better for you
Traditional 401(k)
Saves you $19353 over 35 years
Data Source & Legal Disclaimer
Effective: 2026 tax year (IRS Rev. Proc. 2025-XX)
Last updated: 7 months ago
Update frequency: Annual
Sources: IRS Revenue Procedure (annual inflation adjustments) · IRS.gov — Tax Brackets & Rates · State tax rates: respective state Department of Revenue websites · IRS — 401(k) Contribution Limits
2026 401(k) contribution limit: $23,500 ($31,000 if age 50+). Roth contributions are post-tax; Traditional are pre-tax. Investment returns assumed at 7% nominal. This is for estimation only — consult a financial advisor.