401(k) Contribution Calculator
See where your retirement account lands at age 65, capture every dollar of employer match, and watch how a small contribution bump changes the finish line.
$1,908,939
at age 65
Full match captured
Projection
Projected balance
$1,908,939
Years
33
You contribute
$280,897
Employer adds
$187,265
Total growth
$1,398,777
Room under IRS cap
$18,400
Freedom Coach™
Projected $1,908,939 at age 65.
You're capturing the full employer match — now it's about the contribution rate.
Premium
Save 401(k) scenarios, model raise + bump combos, and compare Roth vs. Traditional side by side.
Unlock PremiumAt minimum, enough to capture the full employer match — that's free money. Then work toward 15% of gross income (employee + employer combined) as a long-term target.
The employee elective deferral limit is $23,500 for 2025. If you're age 50+, you can add an additional $7,500 catch-up contribution.
A common formula is '100% match on the first 6%.' If you make $80k and contribute 6% ($4,800), your employer adds $4,800. Contribute less than 6% and you leave part of it on the table.
Traditional lowers today's tax bill. Roth pays taxes now for tax-free withdrawals later. Young + low tax bracket → Roth. High earner in a high-tax state → Traditional often wins.
The S&P 500 averages ~10% nominal, ~7% real (after inflation) over long periods. 7% is a reasonable default for planning.
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