The 2026 401(k) contribution limit is $23,500 ($31,000 if 50+). Total including employer contributions: $70,000. See the full 2026 limits page.
The Cost of Not Maxing Your Match
If your employer matches 50% up to 6% and you earn $70K, that’s $2,100/year in free money. Over 30 years at 8% growth: $236,000 you left on the table.
The Optimal Strategy
Step 1: Contribute enough for full employer match. Step 2: Max Roth IRA ($7K). Step 3: Return to 401(k) and max it. Use the 401(k) Calculator.
Roth 401(k) vs Traditional
Use the 401(k) vs Roth comparison tool. Optimize your asset allocation.
Read: Maximize Your Employer Match.
Track your 401(k) in Richify. App Store | Google Play
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