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A retirement savings program can be one of the best tools you can use for creating a secure retirement. One of the valuable features of many plans is the Contribution Accelerator option which allows you to increase your contributions consistently and automatically each year. With this feature you don't have to remember to increase your contributions; Contribution Accelerator does it for you, allowing you to build your account balance faster. This calculator helps you project what your savings could be if you were to automatically increase your payroll savings each year using Contribution Accelerator (or manually increasing your contributions each year if you don't have the Contribution Accelerator feature).
Your total contribution for one year is based on your annual salary times the percent you contribute. While increasing your retirement account savings does lower your take home pay, it also lowers your Federal income tax withholding. The impact on your paycheck might be less than you think. While your plan may not have a deferral percentage limit, this calculator limits deferrals to 80% to account for FICA (Social Security and Medicare) taxes. Please note that your 401(k) or 403(b) plan contributions may be limited to less than 80% of your income. Check with your plan administrator for details. **PLAN_CONTRIBUTION_MAX**
It is important to note that some employees are subject to another form of contribution limitations. Employees classified as 'Highly Compensated' may be subject to contribution limits based on their employer's overall participation. **PLAN_HIGHLY_COMPENSATED** Participants in 403(b) and 457(b) plans may also be able to make additional special contributions.
This is your gross pay, before any deductions, for the pay period. Please enter a dollar amount from $1 to $1,000,000.
This is how often you are paid. Your selections are: Weekly (52 paychecks per year), Bi-week (26 paychecks per year), Semi-monthly (24 paychecks per year), Monthly (12 paychecks per year) and Annually (1 paycheck per year).
The current balance of this account.
The annual rate of return for your account. This calculator assumes that your return is compounded annually and your deposits are made monthly. La tasa de rendimiento real depende en gran medida de los tipos de inversiones que elija. El índice Standard & Poor's 500® (S&P 500®) durante los últimos 10 años que finalizaron el 31 de diciembre de 2025, tuvo una tasa de rendimiento compuesta anual de 14.8 %, con la reinversión de dividendos. Desde el 1 de enero de 1970 hasta el 31 de diciembre de 2025, la tasa de rendimiento compuesta anual promedio del S&P 500®, con la reinversión de dividendos, fue aproximadamente del 11.3 % (fuente: www.spglobal.com). Desde 1970, el rendimiento más alto a 12 meses fue del 61 % (desde junio de 1982 hasta junio de 1983). El rendimiento más bajo a 12 meses fue del -43 % (desde marzo de 2008 hasta marzo de 2009). Las cuentas de ahorro en una institución financiera pagan menos, pero conllevan un riesgo significativamente menor de pérdida de saldos de capital.
Es fundamental tener en cuenta que estos escenarios son meramente hipotéticos y que las tasas de rendimiento futuras no pueden preverse con certeza. Además, las inversiones que ofrecen tasas de rendimiento más altas suelen estar expuestas a un mayor riesgo y volatilidad. La tasa real de rendimiento de las inversiones puede variar significativamente con el tiempo, en especial en las inversiones a largo plazo. También puede implicar la posible pérdida de capital invertido. No es posible invertir directamente en un índice y la tasa de rendimiento compuesta mencionada anteriormente no incluye los cargos por ventas ni otras tarifas que imponen los fondos de inversión o las empresas de inversión.
Su edad actual.
Age you wish to retire. This calculator assumes that the year you retire, you do not make any contributions. For example, if you retire at age 65, your last contribution occurs when you are actually 64.
The annual percentage you expect your salary to increase. The tool assumes that your salary will continue to increase at this rate until you retire.
This is the percent of your gross income you put into a taxable deferred retirement account such as a 401(k), 403(b) or 457. While increasing your retirement account savings does lower your take home pay, it may also lower your Federal income tax withholding.
While your plan may not have a deferral percentage limit, this calculator limits deferrals to 80% to account for FICA (Social Security and Medicare) taxes. Please note that your plan's contributions may be limited to less than 80% of your income. Check with your plan administrator for details. **PLAN_CONTRIBUTION_MAX**
This is the percentage that the tool will increase of your employee contribution each year. The annual increase will continue until you have reached your plan's specified maximum percent, or the annual contribution limit (see below).
This is the maximum contribution that your plan allows Contribution Accelerator to increase your contribution rate. If your plan caps Contribution Accelerator at 10%, example, enter this number and your contribution rate will not increase beyond 10% as a result of Contribution Accelerator.
An employer match is in addition to your annual contributions. It is based on a percentage of your annual contributions. This range can be anywhere from 0% to 100%.
For example, let's assume the employer matches 50% of the employee's contributions up to 6% of their salary. The employee earns $100,000 per year and contributes 10%. The results would be:
Please read the definition for 'Employer maximum' for a detailed description of maximum employer matching contributions. It is also important to note employer contributions do not affect the maximum amount allowed to be contributed by an employee. Matching contributions can be subject to a vesting schedule. See your plan information for details.
This is the maximum percent of your salary matched by your employer regardless of the amount you decide to contribute. For example, let's assume your employer has a 50% match, up to a maximum of 6% of your annual salary. If you have an annual salary of $25,000 and contribute 6%, your annual contribution is $1,500. With a 50% match, your employer will add another $750 to your 401(k) account. If you increase your contribution to 10%, your annual contribution is $2,500 per year. Your employer match, however, is limited to the first 6% of your salary and remains at $750.