401(k) Contribution Optimizer
Are you leaving employer match money on the table? Enter your salary, match terms, and tax rate to find your optimal contribution — and see projected balance across current, match-max, 15%, and IRS-max scenarios.
You're capturing your full employer match
$5,100/year in employer contributions — consider increasing to 15% or the IRS max to accelerate growth.
Your 401(k) Profile
Contributions reduce taxable income now; taxed at withdrawal.
Contribution Scenarios
| Scenario | Your Annual | With Match | Projected Balance |
|---|---|---|---|
| Current (6%) | $5,100 | $10,200 | $1.3M |
| Match max (6%) | $5,100 | $10,200 | $1.3M |
| 15% (recommended) | $12,750 | $17,850 | $2.3M |
| IRS max ($23k) | $23,000 | $28,100 | $3.6M |
Assumes 7.0% annual return over 33 years. 4% safe withdrawal rate for monthly income.
Annual Contribution Breakdown
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