Institutional-grade compound interest modeling. Audit your retirement trajectory with SECURE Act 2.0 regulatory mapping and 2026 inflation buffers.
Official 2026 contribution thresholds and actuarial growth targets.
| Category | Max Limit | Status |
|---|---|---|
| Base Deferral | $23,500 | Active |
| Catch-up (50+) | $7,500 | Stable |
| Super Catch-up | $11,250 | SECURE 2.0 |
| Total Max | $34,750 | Verified |
| Strategy | Est. ROI | Risk Level |
|---|---|---|
| S&P 500 Equity | 10.2% | High |
| 60/40 Balanced | 7.4% | Mod |
| Target Date | Dynamic | Low |
| Inflation Gap | -3.1% | Erosion |
| Match Rate | Vesting Period | Value Gain |
|---|---|---|
| 100% of 3% | Immediate | +100% |
| 50% of 6% | 3-Year Cliff | +50% |
| Non-Elective | 5-Year Graded | Variable |
| Max Cap | 100% Vest | Optimal |
The 401(k) remains the primary vehicle for private-sector retirement capitalization in the 2026 financial landscape. Driven by **Tax-Deferred Compounding**, these plans allow participants to leverage gross principal for reinvestment, bypassing the dividend and capital gains friction that erodes wealth in standard brokerage accounts. Our S-Class engine analyzes the three core growth vectors: **Salary Deferral Velocity**, **Employer Match Optimization**, and **Actuarial Inflation Shielding**.
Standard calculators often fail to account for the **Net Purchasing Power Gap**. A $1,000,000 balance in 2050 possesses significantly less utility than it does in 2026. Our Wealth Audit Engine applies a **Time-Value Adjusted (TVA)** discount rate to your projections, ensuring your 'Target Number' is sufficient for institutional-grade lifestyle maintenance. We also integrate the **SECURE Act 2.0 RMD Glide-path** to optimize withdrawal longevity.
Expert guidance for navigating 2026 401(k) and SECURE 2.0 protocols.
Internal Resource Mapping
Verified Institutional Framework • 2026 Edition