401(k) Information
401(k) Analysis Results
Enter your 401(k) information and click "Calculate 401(k) Benefits" to see your results.
Traditional 401(k) analysis will appear here.
Roth 401(k) analysis will appear here.
Traditional vs Roth 401(k) Comparison
Traditional 401(k)
Tax savings now, taxed in retirement. Better if you expect to be in a lower tax bracket when you retire.
Roth 401(k)
No immediate tax savings, tax-free in retirement. Better if you expect to be in a higher tax bracket when you retire.
2025 401(k) Information
Contribution Limits
Employee Limit: $23,500 (2025)
Catch-up (50+): Additional $7,500
Total Limit (50+): $31,000
Combined Limit: $70,000 (or 100% of compensation)
Traditional 401(k)
Tax Treatment: Pre-tax contributions
Current Benefit: Immediate tax deduction
Retirement: Taxed as ordinary income
RMDs: Required at age 73
Roth 401(k)
Tax Treatment: After-tax contributions
Current Benefit: No immediate deduction
Retirement: Tax-free withdrawals
RMDs: Required at age 73 (can roll to Roth IRA)
Employer Match
Free Money: Always contribute enough to get full match
Vesting: May have vesting schedule
Tax Treatment: Match goes to traditional account
Limit: Subject to annual addition limits
Important Information
This calculator provides estimates for 401(k) planning purposes only. Actual results may vary based on plan rules, investment performance, tax law changes, and individual circumstances. Employer match calculations assume immediate vesting. For specific plan details and professional retirement planning advice, consult with your plan administrator or a qualified financial advisor.