401(k) Contribution & Employer Match Calculator
Calculate the compounded future value of your 401(k) plan, employer company match contributions, and immediate tax savings on your paycheck.
Sensitivity Analysis
Evaluate how variations in key operational drivers impact Projected Retirement Balance.
| Sensitivity Case | Assumption Shift | Driver Value | Projected Retirement Balance | Impact vs Base |
|---|
Formula & Methodology
Annual Deposit = Salary * (Employee Contribution % + Employer Match %)SalaryPre-tax annual base pay in USD.
Employee (%)Percentage of paycheck contributed to 401(k).
Employer Match (%)Employer matching contribution percentage.
Practical Worked Example
A 30-year-old US employee earning $100,000 contributes 8% ($8,000) with a 4% ($4,000) company match retiring at age 65 at 8% returns.
Interpretation & Industry Benchmarks
401(k) plans are defined contribution retirement accounts governed by US ERISA regulations.
Never leave employer matching money on the table.
Industry Nuance: 2024 IRS individual employee deferral limit is $23,000 ($30,500 for age 50+ catch-up).
Analytical Limitations
- US-specific calculator governed by US IRS rules and Section 401(k).
Frequently Asked Questions
What is a 401(k) employer match?
An employer match is when your company deposits extra money into your 401(k) plan based on how much you contribute yourself.