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401(k) Optimizer — Maximize Employer Match and Tax Savings

Most workers leave money on the table by not capturing their full employer match. Pre-set for a common scenario: $80,000 salary, 50% match up to 6% of salary.

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Pre-filled with typical values for this scenario. Adjust any field to see updated results.

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Default Scenario — What These Numbers Assume

ParameterDefault ValueNotes
annual salary80000
Current Balance25000Remaining loan balance
expected return7
contribution pct6
employer match pct50
years to retirement25
employer match limit6

Frequently Asked Questions

How much should I contribute to my 401k?
At minimum, contribute enough to capture the full employer match, as that is an immediate 50-100% return. Beyond the match, max out to the IRS limit ($23,500 in 2026, or $31,000 if age 50 or older) if possible.
What is the 401k contribution limit for 2026?
The 2026 IRS limit for 401k employee contributions is $23,500, or $31,000 for those age 50 and older. The total limit including employer contributions is $70,000.
Should I choose traditional or Roth 401k?
Traditional 401k reduces your taxes now, which is good if you are in a high bracket today. Roth 401k pays taxes now but withdrawals are tax-free, which is good if you expect higher taxes in retirement. Many experts recommend splitting contributions.

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