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401(k) Calculator

Calculate 401(k) growth, employer match, and retirement savings

Your 401(k) Details

years
years
$
$
%

You contribute $10,000/year

Employer Match

%

e.g., 50% means $0.50 per $1 you contribute

%

Employer matches up to this % of your salary

Your employer contributes up to $3,000/year when you contribute at least 6%

Growth Assumptions

%
%

Retirement Projection

Enter your details and click Calculate

Fill in the form to see your 401(k) growth projection

Maximizing Your 401(k)

Get the Full Employer Match

Always contribute at least enough to get the full employer match. It's free money! If your employer matches 50% up to 6% of your salary, you should contribute at least 6% to get the full match.

Traditional vs Roth 401(k)

  • Traditional: Contributions are pre-tax, reducing your current taxable income. Withdrawals in retirement are taxed.
  • Roth: Contributions are after-tax. Qualified withdrawals in retirement are tax-free.

Investment Tips

  • Low-cost index funds: Look for expense ratios under 0.2%
  • Target date funds: Automatically adjust risk as you approach retirement
  • Diversify: Mix of US stocks, international stocks, and bonds
  • Rebalance annually: Maintain your target asset allocation

Disclaimer: This calculator is for informational purposes only and should not be considered financial, tax, or legal advice. Results are estimates based on the information provided and current tax laws. Consult a qualified professional for advice specific to your situation.

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