Retirement Match Calculator
This 401(k) employer match calculator shows what your current contribution actually gets you at retirement, and what capturing your full employer match would get you instead. The gap between the two is your opportunity cost.
Your Numbers
Compounds monthly to match real payroll and investment cycles, and enforces 2026 IRS contribution limits. The default 10.92% is a trailing historical average, not a guaranteed or forward-looking return — lower selections model a more conservative planning assumption.
Opportunity Cost by Age 67
the difference between staying at 4% and bumping up to 6% to capture the full match
4% contribution
6% contribution
Projected Balance Over Time
See this run against your real accounts
aiSmartBudget tracks your actual contributions and coaches you toward your full match automatically, not just a one-time calculation.
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