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Honest Toolkit

Saving for retirement in the US, step by step

The 2026 limits, the employer match and how a 401(k) grows.

For workers in the US who want to know how much they can save in retirement accounts, and what it could be worth.

Start with the 401(k) calculator, then read the guide to 401(k) and IRA limits, and see how compounding works.

The steps, in order

  1. Calculator401(k) calculator
  2. Guide401(k) or IRA
  3. CalculatorRoth IRA limit
  4. CalculatorCompound interest
  5. ChecklistMonthly investing