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401(k) Optimizer

401(k) Contribution Optimizer

Capture your full employer match, minimize your tax bill, and see the 30-year payoff of your contribution choice.

Your Income & Plan
Employer Match
Your Contribution
—
401(k) Balance at Retirement
$0
after 30 years
Annual Tax Savings
—
on your contributions
Free Employer Money
—
annual match captured
Balance Growth — Contributions vs. Match vs. Returns
Over your career, employer match contributions alone will add — to your retirement, before any investment growth. That's pure free money.
2025 401(k) employee limit is $23,500 ($31,000 age 50+). Assumes salary is static. Not tax advice. Predictable Income

401(k) Contribution Optimizer

The 401(k) Contribution Optimizer helps you capture every dollar of free employer match while minimizing your current tax bill. Enter your salary, current contribution percentage, employer match structure, and marginal tax rate, and the calculator runs a live match-capture check that flips between warning and success states depending on whether you're hitting the match cap. The results panel shows your projected 401(k) balance at retirement, your annual tax savings from pre-tax contributions, and the exact dollar amount of free employer money you're capturing each year. When you're contributing too little to earn the full match, a clear alert tells you exactly what percentage you need to hit to stop leaving money on the table. It's the calculator that turns "contribute enough to get the match" from vague advice into a precise dollar target backed by a 30-year growth projection.