401(k) Calculator
Project your 401(k) balance over time. Includes employer match modeling — make sure you’re capturing the full match.
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About 401(k) Calculator
Capture the full match
If your employer matches 50% up to 6% of salary, contributing only 4% means you’re leaving free money on the table. Always contribute at least enough to capture the entire match — it’s effectively a 50% (or 100%) immediate return.
2024-2025 contribution limits
Employee elective deferral limit: $23,000 (2024) / $23,500 (2025). Age 50+ catch-up: additional $7,500. Total combined limit (employee + employer): $69,000 (2024) / $70,000 (2025). Limits change annually.
Traditional vs Roth 401(k)
Traditional: contributions pre-tax, withdrawals taxed in retirement. Roth: contributions post-tax, withdrawals tax-free. Young earners in lower brackets often favor Roth; high earners near retirement often favor traditional.