401k Calculator with Employer Match
Calculate your 401k retirement savings with employer matching contributions. See how much your retirement account will grow with compound interest, annual raises, and free employer match money.
Your Information
$75,000
$25,000
10% = $7,500/year
3% per year
Employer Match
Employer contributes 50% of your contribution
Match applies up to 6% of your salary
Free Money This Year
$2,250
Employer match on $7,500 contribution
Historical S&P 500 average: ~10% | Conservative: 7-8%
Projected 401k Balance at 65
In 35 years
Your $
$478,466
Match $
$136,040
Earnings
$2,089,567
401k Growth Projection
Impact of Employer Match
Current plan
If you didn't get the match
That's 5.0% of your total balance from free employer money!
Optimization Tips
Consider Increasing Contributions
2024 limit is $22,500. You could contribute $15,000 more per year for additional tax benefits and growth.
Great Job! 🎉
You're capturing the full employer match. That's free money working for your retirement!
Time is Your Best Friend
Starting early is key! Every year you delay costs you thousands in compound growth.
Get expert guidance tailored to your financial goals