Calculated result
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Contribution and match model
Annual salary is divided into 12 monthly pay periods. Employee contributions equal monthly salary times the contribution rate. Employer contributions equal monthly salary × the lower of the employee rate or match limit × the employer match percentage.
Example: a 50% match up to 6% of salary contributes 3% of salary when the employee contributes at least 6%.
Return and salary timing
Monthly return = (1 + annual effective return)1/12 − 1.
The current balance earns that monthly rate, then employee and employer contributions are added at month end. Salary growth is applied once after each completed projection year.
Projection limits
The model does not hard-code changing IRS contribution limits and does not model Roth versus traditional taxes, vesting, loans, withdrawals, required distributions, fees, or plan-specific rules.
Returns are hypothetical and not guaranteed. Employer plans differ. This estimate is educational and is not investment, tax, legal, or retirement-planning advice.