Inflation & Retirement
Preparing for retirement isn’t just about the number in your bank account—it’s about what that money can actually do for you later. Every year, the cost of living shifts, and while inflation isn’t always at the front of our minds, it plays a big role in your long-term comfort. Use this calculator to see how tomorrow’s prices might affect your hard-earned savings.
Your Information
%
2026 Contribution Limits
Standard Contribution Limit
$24,500
50+ Catch-Up Limit
+$8,000
60-63 "Super Catch-Up" Limit
+$11,250
Your Catch-Up Benefit
With both regular catch-up contributions and 60-63 catch-up contributions between ages 60-67
Additional Savings by Age 67
$84,084
Additional Monthly Income Over 30-Year Retirement
$504.13
Projected Balance at Age 67
Regular Contributions Only
$24,500/year
$581,557
With 50+ Catch-Up
$32,500/year
$648,707
With Super Catch-Up (60-63)
$35,750/year ages 60-63, then $32,500/year
$665,641
Growth Comparison
This is the additional amount you could accumulate by age 67 if you take full advantage of catch-up contributions, including the enhanced "super catch-up" for ages 60-63. This could provide approximately $504.13 in additional monthly retirement income.
Once you reach age 73, you must begin taking required minimum distributions (RMDs) from your 401(k) or any other defined contribution plan in most circumstances. Withdrawals are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty.