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401(k) Calculator

Maximize your retirement savings with employer matching

401(k) Details

Required Inputs

$

Optional Inputs

$
% of your contribution (e.g., 50 = 50% match)
Max % of salary employer will match
Marginal tax rate when you retire
How you plan to withdraw funds
Number of years to withdraw funds
Future purchasing power

📊 Monte Carlo Simulation

Model market volatility to see range of possible 401(k) outcomes

401(k) Projection

Balance at Retirement
$0
Your Contributions
$0
Employer Contributions
$0
Investment Gains
$0
Free Money from Employer
$0
Annual Contribution (Year 1)
$0
Estimated Tax on Withdrawal
$0
After-Tax Balance
$0
After-Tax (Today's Dollars)
$0

📊 Year-by-Year Breakdown

Maximizing Your 401(k)

What is a 401(k)?

A 401(k) is an employer-sponsored retirement plan that allows you to save and invest for retirement with tax advantages. Contributions are made pre-tax, reducing your taxable income.

Employer Matching - Free Money!

Many employers match a percentage of your contributions. For example, a 50% match up to 6% of salary means if you contribute 6%, your employer adds 3%. This is free money you shouldn't leave on the table!

401(k) Tips