Calculator

Where is your 401(k) headed?

Contributions, the match, and decades of compounding — see the full picture, including the one number that makes early withdrawals unthinkable.

Your plan

Current age

Retirement age

Annual salary

You contribute (% of salary)

Employer match (% of your contribution)

…up to this % of salary

Current 401(k) balance

Expected return (%)

Annual raises (%)

Projected 401(k) at retirement

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Employer match — free money

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—2026 employee limit: $24,500 (+$8,000 catch-up at 50+)

Where the final balance comes from

The true cost of an early withdrawal

Amount withdrawn early

Your tax bracket (%)

— —

— is what that money would have become by retirement — the real price of cashing out

Your 401(k) is the engine. Is it tuned?

Contribution rate, match capture, investment menu, Roth-vs-traditional deferrals, old-plan rollovers — small settings, massive lifetime differences. We review all of it, at no cost.

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HOW IT WORKS & IMPORTANT INFORMATION: Projects annual contributions (yours, capped at the 2026 employee deferral limit of $24,500; catch-up contributions of $8,000 for those 50+ not automatically applied) plus employer match, compounded at your expected return with salary growing at your raise assumption; match formulas vary by employer — check your plan document. The early-withdrawal illustration applies your ordinary tax rate plus the 10% additional tax that generally applies before age 59½ (exceptions exist, including the Rule of 55 for certain separations) and shows what the withdrawn amount could have grown to by your retirement age at the same return. Returns are assumed constant; actual results vary and may be negative. Limits per IRS for 2026 and subject to change. This educational tool is not tax or investment advice. Mountain View Wealth Management, LLC · 2611 S Clark St., Suite 600, Arlington, VA 22202 · (571) 368-6178. © 2026 Mountain View Wealth Management, LLC.