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Project your retirement savings growth and maximize your employer match. Free, no signup required.
Pro Tip
Contribute enough to get the full . It's free money!
Starting early is the best gift you can give your future self. Even small steps now create massive results through compound growth.
Projected Balance at 65
$952,599
30 years of growth
Total Contributions
$337,518
$225,012 employee + $112,506 employer
Investment Growth
$615,081
64.6% of final balance
Monthly Contribution
$375
+$188 employer match
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Example output — not real data
💸
$2,400/yr
Free Money Left
🎯
15%
Optimal Contrib
📈
$1.2M
Projected at 65
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Use Sagery to model different contribution amounts, salary growth scenarios, and market conditions. See how small changes today impact your retirement.
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A 401(k) is an employer-sponsored retirement savings plan that allows you to contribute a portion of your salary before taxes. Your contributions reduce your taxable income for the year, and your investments grow tax-deferred until retirement.
Many employers offer —free money that boosts your retirement savings. Common matches are 50% or 100% of your contributions up to 3-6% of your salary. Not taking full advantage of means leaving money on the table.
Withdrawing funds before age 59.5 triggers a 10% plus income taxes on the withdrawn amount. Some exceptions exist (financial hardship, disability), but it's generally best to let your 401(k) grow until retirement.
The longer your money stays invested, the more compound interest works in your favor. A 35-year-old contributing $500/month at 7% annual return could have over $1.2 million by age 65—even without employer matching or salary growth.
Key Takeaway
Maximize your employer match first, then increase contributions gradually as your salary grows. Even small increases in your contribution rate can significantly boost your retirement savings over time.
Sagery provides educational estimates, not financial advice. All projections are based on the assumptions you provide — actual results will vary. Consult a qualified financial advisor before making financial decisions.