Relocation by Numbers

401(k) Calculator

See your employer match, this year's tax savings, and how your 401(k) could grow by retirement — with 2025 limits and a realistic range of market outcomes.

Employer match · pre-tax savings · Monte Carlo range.

See methodologyPlanning estimates only. Results depend on your inputs, tax status, and assumptions.
Employer matchTax savings2025 limitsMonte Carlo range
Contributions
Assumptions
Projected balance at retirement
$1,504,256

$13,000/yr in ($10,000 you + $3,000 employer match), growing for 30 years.

Tax saved this year
$2,200

Contributing $10,000 only lowers your take-home by $7,800.

Employer match / yr
$3,000

Free money — $90,000 over 30 years before growth.

What makes up your balance
Current balance$25,000
Your contributions$300,000
Employer match$90,000
Investment growth$1,089,256
Pre-tax 401(k) contributions lower your federal (and, in most states, state) income tax now, but not Social Security/Medicare; withdrawals in retirement are taxed as ordinary income. CA and PA tax contributions at the state level. Estimates only, not tax or investment advice.
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How this calculator works

Enter your salary, contribution rate, and your employer's match formula. The calculator adds your contribution and the employer match, checks it against the 2025 IRS limits, and estimates your federal and state tax savings using the same verified tax engine as the rest of the site.

Then it grows the combined contributions plus your current balance to retirement age. Switch to the Monte Carlo view to see a realistic range of outcomes instead of one smooth line.

Employer match

Captures the 'free money' and flags any you're missing.

Real tax savings

Federal + state, with CA/PA handled correctly.

2025 limits

Base, 50+ catch-up, and the 60-63 enhanced catch-up.

Realistic range

Monte Carlo shows the 10th–90th percentile.

Good to know

Always contribute at least enough to get the full employer match — it's an immediate, guaranteed return.

Pre-tax contributions cut your taxes now; you pay ordinary income tax when you withdraw in retirement.

This doesn't model vesting schedules, Roth 401(k) contributions, loans, or fees.

It's a planning estimate, not tax or investment advice.

✓No account or sign-up required
✓2025 IRS limits and catch-up
✓Seeded, reproducible simulation

Frequently asked questions

How does employer matching work?+
Employers often match a percent of your contribution up to a cap — e.g. '50% up to 6%' means 50¢ per $1 on the first 6% of salary. Contributing at least to the cap captures the full match (free money).
What's the 2025 contribution limit?+
$23,500 for employees; +$7,500 catch-up at 50-59/64+, +$11,250 at 60-63. The combined employee + employer limit is $70,000.
How much does a 401(k) cut my taxes?+
Pre-tax contributions lower federal and (in most states) state income tax now — not FICA. The calculator shows your savings and the net paycheck effect; withdrawals are taxed later.
Do all states give the tax break?+
Most match the federal treatment, but California and Pennsylvania tax 401(k) contributions at the state level.

Keep planning your retirement

See how your 401(k) fits the bigger picture.

Private by design: your calculator inputs are processed in your browser and are never sent to or stored on our servers.