401(k) Contribution Calculator
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Projected Balance at Retirement$1,525,878.83
Total Contributions$210,000.00
Total Employer Match$78,750.00
Investment Growth$1,212,128.83
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Employer matching is calculated as: match = min(contribution, salary × matchLimit) × matchPercent. This calculator projects growth using monthly compounding at the expected annual return. Contributions are assumed constant (no annual increase modeling).
Frequently Asked Questions
What is employer matching and how does it work?
Employer matching is free money your employer contributes to your 401(k) based on your contributions. A common match is 50% of contributions up to 6% of salary — if you earn $60,000 and contribute 6% ($3,600), your employer adds $1,800.
What are the 401(k) contribution limits for 2025?
For 2025, the employee contribution limit is $23,500. Workers age 50+ can contribute an additional $7,500 (catch-up contribution). Employer contributions do not count toward the employee limit.
Should I choose traditional or Roth 401(k)?
Traditional 401(k) contributions are pre-tax — you pay taxes on withdrawal in retirement. Roth 401(k) contributions are after-tax — qualified withdrawals in retirement are tax-free. If you expect to be in a higher tax bracket in retirement, Roth is often better.
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