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401(k) Planning
Estimate employee contributions, employer match, tax savings, and long-term retirement value.
Annual 401(k) Contribution
$12,350
Employee contribution plus estimated employer match.
Projected 401(k) Value
$1,190,494
Based on 8.0% expected return over 25 years.
Contribution & Match Snapshot
Uses 2026 planning assumptions: employee deferral limit of $24,500, catch-up room for age 50+, and a total employee/employer plan cap of $72,000 before catch-up additions.
Match Captured
100%
Employee Limit
$24,500
Includes catch-up if eligible.
Employee Contribution
$9,500
Estimated annual salary deferral.
Employer Match
$2,850
Estimated employer contribution.
Over Limit Risk
Low
Avoid excess employee deferrals.
401(k) Inputs
Enter salary, contribution rate, and employer match details.
Growth Projection
Estimate long-term value before and after retirement taxes.
Projected Growth
$839,744
Projected pre-tax value
$1,190,494
Traditional 401(k) withdrawals are generally taxable.
Estimated tax savings today
$2,280
From pre-tax employee contributions.
After-tax retirement value
$976,205
Projected value after estimated retirement tax.
Optimization Snapshot
Use this to understand how close you are to contribution limits and employer match capture.
Catch-Up Room
$0
Extra annual deferral room based on age.
Max % to Limit
25.8%
Contribution rate needed to hit employee limit.
Total Contributions
$308,750
Projected over your planning period.
Retirement Tax
$214,289
Estimated tax on future 401(k) value.
401(k) Rules Snapshot
Important rules to understand before setting your contribution rate.
Employer match
Employer matching is often the first priority because it adds extra retirement money based on your contributions.
Traditional vs Roth 401(k)
Traditional contributions may reduce taxable income today. Roth 401(k) contributions use after-tax money for potential tax-free qualified withdrawals.
Catch-up contributions
Age 50+ participants may get extra contribution room. Ages 60–63 can have a higher catch-up limit if the plan allows.
Total plan limit
Employee and employer contributions are subject to an overall annual defined contribution plan limit.
Educational content only — not financial advice.