401(k) Optimization Calculator | Maximize Your Employer Match
💰 401(k) Optimization Calculator

Are You Leaving Money on the Table?

Discover exactly what your 401(k) gaps are costing you—in dollars, labor hours, and years of freedom. Get your personalized fix in 5 minutes.

What You'll Discover

1
The Hidden Cost of Under-Contributing
See exactly how much you're losing daily, weekly, and over your lifetime
2 minutes
2
Your Personal Wealth Projection
Calculate your millionaire age and what's accelerating or delaying it
2 minutes
3
Your Personalized Action Plan
Get the exact steps to fix your gaps—with dollar amounts and timelines
3 minutes

Ready to Accelerate Your Wealth?

This is just the beginning! Get personalized strategies and tools at
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Let's Start with the Basics

Starting young gives you the superpower of time!
Before taxes - we'll calculate everything for you
No worries if it's $0 - everyone starts somewhere!

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The Free Money Question

Does your employer offer 401(k) matching? This is literally free money!

✓
Yes!
They match contributions
✗
Not Yet
No match available
50%
Half Match
50¢ for every $1
100%
Full Match
$1 for every $1
?%
Other
Custom amount
3%
Conservative
Match up to 3%
6%
Standard
Match up to 6%
?%
Other
Custom limit

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Optimize Your Wealth & Tax Strategy

What percentage of your GROSS income do you want to invest in your future?

%
Most employers match 3-6%. Don't leave free money on the table!

Choose the approach that matches your comfort level:

6%
Conservative
Safe and steady growth
8%
Moderate
Balanced growth approach
10%
Aggressive
Maximum growth potential
At your age, you have time to ride out market ups and downs

This decision could save you THOUSANDS in taxes! Choose your tax strategy:

💡 Smart Recommendation: Based on your age and income, we'll highlight the best option for you below.
💰 Pro Tip: After getting your employer match, many experts recommend maxing a Roth IRA ($7,500/year) before maxing your 401(k). Roth IRAs offer more flexibility, better investment choices, and can be a smarter vehicle for young savers. This calculator focuses on 401(k) optimization specifically.
R
Roth 401(k)
Pay taxes now, grow tax-free forever
T
Traditional 401(k)
Tax deduction now, pay taxes later
50/50
50/50 Split
Hedge your bets with both
ROTH ADVANTAGE FOR YOU: At your age, you're likely in a lower tax bracket now than you'll be in retirement. Pay taxes on your smaller salary today, and your massive retirement balance grows 100% tax-free! This could save you tens of thousands in taxes.

Ready to Accelerate Your Wealth?

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Your 401(k) Optimization Plan

Here's your personalized strategy to maximize your retirement wealth

What is this costing you?
Click "The Cost" to see the hidden price of your current strategy.

What do you do about it?
Click "Your Fix" to get your personalized action plan.

Your Next Step

Based on your results, here's the most important tool for you to use next.

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After That, Consider:

Ready to Accelerate Your Wealth?

Get personalized strategies, advanced tools, and expert guidance at
FutureMillionairePlaybook.com

Continue Your Journey →