401(k) & Retirement Calculator
Plan your retirement with 401(k) employer matching and compound growth
401(k) Retirement Planning
401(k) is the most popular employer-sponsored retirement savings plan in the US. The biggest advantage is employer match - free money you don't want to miss!
2025 contribution limit: $23,500 (+$7,500 catch-up for 50+).
Maximizing Employer Match
Common Match
100%
up to 6% of salary
Example: $100K salary
$6,000
You save $6,000
You actually get
$12,000
Instant doubling!
Expert Tips
Get Full Match First
Always contribute enough to get full employer match - 100% return!
Start Early
Compound growth needs time. The earlier, the more you'll have.
Consider Roth Option
If your tax bracket will be higher in retirement, Roth 401(k) may be better.
Don't Borrow
Avoid 401(k) loans unless absolutely necessary.
FAQ
Q: When can I withdraw?βΌ
A: After age 59Β½ without penalty. Earlier withdrawals usually face 10% penalty and income tax.
Q: What if I change jobs?βΌ
A: Roll to new employer's 401(k), roll to IRA, or leave it (if allowed).