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Investment & Retirement
401(k) / Pension Planner
Project your retirement nest egg using 2025 IRS contribution limits, employer match, and inflation-adjusted income estimates.
Plan your retirement with the 2025 401(k) planner. Enter your current age, salary, contribution percentage, and employer match details to see how your retirement portfolio grows over time. The 2025 IRS employee contribution limit is $23,500 (catch-up: $7,500 for ages 50–59 and 64+; $11,250 for ages 60–63 per SECURE 2.0). The calculator projects your portfolio in both nominal and inflation-adjusted (real) dollars, then estimates your monthly retirement income using the 4% safe withdrawal rate.
🏦 Retirement Details
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Enter your details to project your 401(k) balance at retirement and estimated monthly income.
Frequently Asked Questions
The 2025 IRS 401(k) employee contribution limit is $23,500. Catch-up contributions for ages 50–59 and 64+ add $7,500 (total: $31,000). A new SECURE 2.0 provision for ages 60–63 allows a higher catch-up of $11,250 (total: $34,750). The total employer + employee limit is $70,000.
A 50% match up to 6% of salary means: if your salary is $80,000 and you contribute 6% ($4,800), your employer adds 50% of that ($2,400) for a total of $7,200/year. This is a 50% instant return on your contributed money — always contribute at least enough to get the full match.
The 4% rule suggests you need 25× your annual retirement expenses. If you want $60,000/year in retirement, you need ~$1,500,000. Financial planners recommend replacing 70–90% of your pre-retirement income, so start by estimating your retirement spending needs.