Tool 01 · Compound Growth Engine

401(k) CALCULATOR

Model your full 401(k) trajectory with employer match, step-ups, Roth vs Traditional comparison, and the real cost of waiting.

2025 401(k) limit: $23,500
IRA limit: $7,000
Catch-up 50+: +$7,500
Projected Balance
$0
at retirement
Your Contributions
$0
total you put in
Employer Match
$0
free money captured
Investment Growth
$0
compounding at work
Real Value (Inflation-Adj)
$0
in today's dollars
Est. Annual Income
$0
4% safe withdrawal/yr
Growth Multiplier
0×
every $1 became this
Balance Over Time
Total Balance Your Contributions Employer Match
Annual Contribution Breakdown
You Match Growth Added
Year-by-Year Breakdown
Age Your Contrib Employer Match Growth Year-End Balance Inflation-Adj
💡
Calculating...
TRADITIONAL
Pre-tax today. Taxed at withdrawal in retirement.
Gross at Retirement—
Tax at Withdrawal (22%)—
After-Tax Value—
Annual Tax Savings Now—
Best ForHigher tax rate now than in retirement
ROTH
After-tax today. 100% tax-free at withdrawal.
Gross at Retirement—
Tax at Withdrawal$0
After-Tax Value—
Extra Cost Now (after-tax)—
Best ForLower tax rate now · expect higher rate later
After-Tax Value Comparison
What Waiting Costs You
Start Now Wait 5 yrs Wait 10 yrs
📚 Calculations use standard FV formula with annual compounding. IRS 2025 limits applied automatically. For education only · Not financial advice · ← Future You Home