Inputs
Future balance
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Total contributions
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Total employer match
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How Retirement Contributions Add Up
Retirement growth comes from three main inputs: your contributions, any employer match, and investment returns over time. Compounding can have a big impact, especially when you start early and contribute consistently.
Employer match basics
- Match formulas vary by employer and plan rules.
- Some matches require a vesting period before they are fully yours.
- Not all compensation types or bonuses may be match-eligible.
Important limitations
- Returns are estimates and actual market performance will vary.
- Inflation and taxes are not included in this projection.
- Contribution limits are not enforced by this tool.
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