USA 401k Retirement Calculator 2025

Calculate retirement savings with employer matching, Roth vs Traditional, and catch-up contributions

🇺🇸 USA 2025 Limits ✅ Employer Match 📊 Roth vs Traditional

💼 Personal Information

Current Age:

Retirement Age:

Annual Salary ($):

Annual Salary Increase (%):

💰 401k Contributions

Contribution Type:

Contribution Percentage (%):

Current 401k Balance ($):

Include Catch-up Contributions (Age 50+)

🏢 Employer Benefits

Employer Match (%):

Match Limit (% of salary):

Vesting Schedule:

📈 Investment Assumptions

Annual Return Rate (%):

Inflation Rate (%):

Current Tax Rate (%):

Retirement Tax Rate (%):

🇺🇸 2025 USA 401k Contribution Limits

Employee Contribution: $23,500

Catch-up (Age 50+): +$7,500

Total Limit (Employee + Employer): $70,000

Highly Compensated Employee: $155,000+

🇺🇸 About USA 401k Retirement Planning

This comprehensive 401k calculator helps you plan for retirement using current USA contribution limits, tax advantages, and employer matching programs. Make informed decisions about Traditional vs Roth contributions.

🏦 401k Optimization Tips 2025:

Employer Match: Always contribute enough to get full employer match - it's free money!
Traditional vs Roth: Traditional reduces current taxes, Roth provides tax-free retirement income
Catch-up Contributions: Age 50+ can contribute an extra $7,500 annually
Contribution Limits: 2025 limit is $23,500 for employees under 50
Vesting: Understand your employer's vesting schedule for matching contributions
Diversification: Don't put all investments in company stock

📊 USA Retirement Planning Facts:

Recommended Savings Rate: 10-15%

Average 401k Balance (Age 65): $232,379

Social Security Full Retirement: Age 67

Required Minimum Distribution: Age 73

*Data from Employee Benefit Research Institute and Social Security Administration, 2025.