401k Contribution Calculator — Maximize Your Employer Match
Calculate your 401k contribution, employer match, and projected growth.
Enter Your Numbers
Max: 23,500 or 29.4% at $80k
100% = dollar-for-dollar
Typically 3-6%
Your Results
Projected 401k Value
$982,392
After 30 years
Employer Match
$2,400/yr
Total annual: $10,400
401k Growth Over Time
| Your Annual Contribution | $8,000 |
| Employer Match | $2,400 |
| Total Annual | $10,400 |
| Years | 30 |
| Total Contributed | $312,000 |
| Investment Growth | $670,392 |
| Projected Value | $982,392 |
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How This Calculator Works
Employer Match = Salary × Match Rate × (your contribution % up to match limit)
Growth = (Your Contributions + Employer Match) compounded over time
Frequently Asked Questions
The 2024 employee contribution limit is $23,000 ($30,500 if age 50+). Total including employer contributions: $69,000.
Contribute at least the match threshold. If your employer matches 100% up to 3% of salary, contribute at least 3% — that's free money.
Contribute at least enough to get the full employer match. Then aim for 10-15% of gross income including the match.
Priority: 1) Get full employer match 2) Max HSA if eligible 3) Max Roth IRA 4) Max 401k 5) Taxable investing.
At $500/month with 7% returns, your 401k grows to ~$567,000 in 30 years. Employer match doubles this if contributing enough.
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Calculations are for educational purposes only. Consult a qualified financial advisor for personalized advice.