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401(k) Savings Calculator
http://www.vertex42.com/Calculators/401k-savings-calculator.html                                                     © 2008 Vertex42 LLC


                                 401(k) Plan Assumptions                                                Summary of Results
                              Current Age        35                                             Years to Invest             30
                        Age at Retirement        65
                                        Balance and Salary                                                               Future Value
                   Current 401(k) Balance             $-                       Estimated Value After 30 Years                $675,139
                            Annual Salary         $50,000                                       Ending Salary                 $88,792
                 Annual Increase in Salary           2.0%
                                             Contributions                                                  Total Contributions
                 % of Salary to Contribute         10.00%                                  Your Contributions        $202,840
           Employer Match (% of contrib.)           50.0%                              Employer Contributions          $60,852
          Employer Maximum (% of salary)             6.0%                                 Total Contributions        $263,693
                                                                        .
                                                                   Return
                       Annual Rate of Return                       6.00%
                          Payments Per Year                 12

  $12
                      Balance
  $10                  [42]                                                                                         Use Random Rates
                                                                                                                                 FALSE
    $8                                                                                                      Min                  -4.00%
    $6                                                                                                     Max                   10.00%
    $4                                                                                                  Average                   6.00%
                                                                                                                  (Press F9 to Recalculate)
    $2
   $-
         20      22       24       26       28      30       32        34     36      38       40
                                                 Age                                                              [42]
                                                        Annual                Employer
  Year        Age        Rate           Salary        Contribution           Contribution            Interest                    Balance
                                                                                                                            $-
    1          35        6.00%             50,000                    5,000             1,500             181.76                    6,681.76
    2          36        6.00%             51,000                    5,100             1,530             597.51                   13,909.28
    3          37        6.00%             52,020                    5,202             1,561           1,047.00                   21,718.88
    4          38        6.00%             53,060                    5,306             1,592           1,532.46                   30,149.19
    5          39        6.00%             54,122                    5,412             1,624           2,056.28                   39,241.28
    6          40        6.00%             55,204                    5,520             1,656           2,621.00                   49,038.80
    7          41        6.00%             56,308                    5,631             1,689           3,229.30                   59,588.16
    8          42        6.00%             57,434                    5,743             1,723           3,884.06                   70,938.67
    9          43        6.00%             58,583                    5,858             1,757           4,588.31                   83,142.77
    10         44        6.00%             59,755                    5,975             1,793           5,345.29                   96,256.16
    11         45        6.00%             60,950                    6,095             1,828           6,158.44                  110,338.06
    12         46        6.00%             62,169                    6,217             1,865           7,031.41                  125,451.40
    13         47        6.00%             63,412                    6,341             1,902           7,968.09                  141,663.06
    14         48        6.00%             64,680                    6,468             1,940           8,972.60                  159,044.10
    15         49        6.00%             65,974                    6,597             1,979          10,049.32                  177,670.03
    16         50        6.00%             67,293                    6,729             2,019          11,202.93                  197,621.11
    17         51        6.00%             68,639                    6,864             2,059          12,438.36                  218,982.57
    18         52        6.00%             70,012                    7,001             2,100          13,760.88                  241,845.02
    19         53        6.00%             71,412                    7,141             2,142          15,176.07                  266,304.69



                                                                                                                  © 2008 Vertex42.com
Annual            Employer
Year   Age   Rate    Salary       Contribution       Contribution       Interest                 Balance
 20    54    6.00%      72,841               7,284             2,185     16,689.89              292,463.85
 21    55    6.00%      74,297               7,430             2,229     18,308.62              320,431.13
 22    56    6.00%      75,783               7,578             2,273     20,038.98              350,321.94
 23    57    6.00%      77,299               7,730             2,319     21,888.09              382,258.90
 24    58    6.00%      78,845               7,884             2,365     23,863.51              416,372.26
 25    59    6.00%      80,422               8,042             2,413     25,973.28              452,800.39
 26    60    6.00%      82,030               8,203             2,461     28,225.94              491,690.27
 27    61    6.00%      83,671               8,367             2,510     30,630.55              533,198.03
 28    62    6.00%      85,344               8,534             2,560     33,196.74              577,489.53
 29    63    6.00%      87,051               8,705             2,612     35,934.74              624,740.93
 30    64    6.00%      88,792               8,879             2,664     38,855.44              675,139.36
 31    65    6.00%            0                  0                  0    41,641.12              716,780.48
 32    66    6.00%            0                  0                  0    44,209.45              760,989.93
 33    67    6.00%            0                  0                  0    46,936.19              807,926.12
 34    68    6.00%            0                  0                  0    49,831.12              857,757.24
 35    69    6.00%            0                  0                  0    52,904.59              910,661.83
 36    70    6.00%            0                  0                  0    56,167.63               966,829.46
 37    71    6.00%            0                  0                  0    59,631.93             1,026,461.38
 38    72    6.00%            0                  0                  0    63,309.89             1,089,771.27
 39    73    6.00%            0                  0                  0    67,214.71             1,156,985.98
 40    74    6.00%            0                  0                  0    71,360.36             1,228,346.35
 41    75    6.00%            0                  0                  0    75,761.71             1,304,108.06
 42    76    6.00%            0                  0                  0    80,434.53             1,384,542.59
 43    77    6.00%            0                  0                  0    85,395.56             1,469,938.15
 44    78    6.00%            0                  0                  0    90,662.57             1,560,600.72
 45    79    6.00%            0                  0                  0    96,254.44             1,656,855.16
 46    80    6.00%            0                  0                  0   102,191.20             1,759,046.36
 47    81    6.00%            0                  0                  0   108,494.13             1,867,540.49
 48    82    6.00%            0                  0                  0   115,185.81             1,982,726.30
 49    83    6.00%            0                  0                  0   122,290.22             2,105,016.52
 50    84    6.00%            0                  0                  0   129,832.81             2,234,849.33
 51    85    6.00%            0                  0                  0   137,840.62             2,372,689.95
 52    86    6.00%            0                  0                  0   146,342.32             2,519,032.27
 53    87    6.00%            0                  0                  0   155,368.40             2,674,400.67
 54    88    6.00%            0                  0                  0   164,951.18             2,839,351.85
 55    89    6.00%            0                  0                  0   175,125.01             3,014,476.86
 56    90    6.00%            0                  0                  0   185,926.34             3,200,403.20
 57    91    6.00%            0                  0                  0   197,393.87             3,397,797.06
 58    92    6.00%            0                  0                  0   209,568.69             3,607,365.75
 59    93    6.00%            0                  0                  0   222,494.43             3,829,860.18
 60    94    6.00%            0                  0                  0   236,217.40             4,066,077.57




                                                                                     © 2008 Vertex42.com
Tracking 401(k) Rate of Return
http://www.vertex42.com/Calculators/401k-savings-calculator.html                                                                      © 2008 Vertex42 LLC
                                                                        Cumulative Contribution                                                IRR
                                  My        Employer      Value              My         Employer         Total          Total Gain           Cash Flow
                  Date        Contribution Contribution (Balance)        Contribution   Contribution   Contribution       (Loss)           (Total Contrib)
Begin:      31-Dec-08              826.00       413.00     1250.00            826.00         413.00        1239.00            11.00                1250.00
S           31-Jan-09              134.00         67.00    1545.64            960.00         480.00        1440.00          105.64                 201.00
T           28-Feb-09              134.00         67.00    1694.69           1094.00         547.00        1641.00           53.69                 201.00
A           31-Mar-09              134.00         67.00    1866.77           1228.00         614.00        1842.00           24.77                 201.00
T           30-Apr-09              134.00         67.00    2052.84           1362.00         681.00        2043.00            9.84                 201.00
E           31-May-09              200.00       100.00     2359.15           1562.00         781.00        2343.00           16.15                 300.00
M           30-Jun-09              134.00         67.00    2475.13           1696.00         848.00        2544.00          (68.87)                201.00
E                                                                                                                                                    0.00
N                                                                                                                                                    0.00
T                                                                                                                                                    0.00
S                                                                                                                                                    0.00
Insert new rows above this one                                                                           45.94%
                  30-Jun-09      -2475.13                                                                                                      -2475.13
      Personal IRR:              186.5%                                                                               Portfolio IRR:           -8.86%

        $3,000
                           Column H
                           Column G
        $2,500             Column E

        $2,000

        $1,500

        $1,000

           $500

             $-
                     31-Dec-08 31-Jan-09 28-Feb-09 31-Mar-09 30-Apr-09 31-May-09 30-Jun-09

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401k Calculator

  • 1. 401(k) Savings Calculator http://www.vertex42.com/Calculators/401k-savings-calculator.html © 2008 Vertex42 LLC 401(k) Plan Assumptions Summary of Results Current Age 35 Years to Invest 30 Age at Retirement 65 Balance and Salary Future Value Current 401(k) Balance $- Estimated Value After 30 Years $675,139 Annual Salary $50,000 Ending Salary $88,792 Annual Increase in Salary 2.0% Contributions Total Contributions % of Salary to Contribute 10.00% Your Contributions $202,840 Employer Match (% of contrib.) 50.0% Employer Contributions $60,852 Employer Maximum (% of salary) 6.0% Total Contributions $263,693 . Return Annual Rate of Return 6.00% Payments Per Year 12 $12 Balance $10 [42] Use Random Rates FALSE $8 Min -4.00% $6 Max 10.00% $4 Average 6.00% (Press F9 to Recalculate) $2 $- 20 22 24 26 28 30 32 34 36 38 40 Age [42] Annual Employer Year Age Rate Salary Contribution Contribution Interest Balance $- 1 35 6.00% 50,000 5,000 1,500 181.76 6,681.76 2 36 6.00% 51,000 5,100 1,530 597.51 13,909.28 3 37 6.00% 52,020 5,202 1,561 1,047.00 21,718.88 4 38 6.00% 53,060 5,306 1,592 1,532.46 30,149.19 5 39 6.00% 54,122 5,412 1,624 2,056.28 39,241.28 6 40 6.00% 55,204 5,520 1,656 2,621.00 49,038.80 7 41 6.00% 56,308 5,631 1,689 3,229.30 59,588.16 8 42 6.00% 57,434 5,743 1,723 3,884.06 70,938.67 9 43 6.00% 58,583 5,858 1,757 4,588.31 83,142.77 10 44 6.00% 59,755 5,975 1,793 5,345.29 96,256.16 11 45 6.00% 60,950 6,095 1,828 6,158.44 110,338.06 12 46 6.00% 62,169 6,217 1,865 7,031.41 125,451.40 13 47 6.00% 63,412 6,341 1,902 7,968.09 141,663.06 14 48 6.00% 64,680 6,468 1,940 8,972.60 159,044.10 15 49 6.00% 65,974 6,597 1,979 10,049.32 177,670.03 16 50 6.00% 67,293 6,729 2,019 11,202.93 197,621.11 17 51 6.00% 68,639 6,864 2,059 12,438.36 218,982.57 18 52 6.00% 70,012 7,001 2,100 13,760.88 241,845.02 19 53 6.00% 71,412 7,141 2,142 15,176.07 266,304.69 © 2008 Vertex42.com
  • 2. Annual Employer Year Age Rate Salary Contribution Contribution Interest Balance 20 54 6.00% 72,841 7,284 2,185 16,689.89 292,463.85 21 55 6.00% 74,297 7,430 2,229 18,308.62 320,431.13 22 56 6.00% 75,783 7,578 2,273 20,038.98 350,321.94 23 57 6.00% 77,299 7,730 2,319 21,888.09 382,258.90 24 58 6.00% 78,845 7,884 2,365 23,863.51 416,372.26 25 59 6.00% 80,422 8,042 2,413 25,973.28 452,800.39 26 60 6.00% 82,030 8,203 2,461 28,225.94 491,690.27 27 61 6.00% 83,671 8,367 2,510 30,630.55 533,198.03 28 62 6.00% 85,344 8,534 2,560 33,196.74 577,489.53 29 63 6.00% 87,051 8,705 2,612 35,934.74 624,740.93 30 64 6.00% 88,792 8,879 2,664 38,855.44 675,139.36 31 65 6.00% 0 0 0 41,641.12 716,780.48 32 66 6.00% 0 0 0 44,209.45 760,989.93 33 67 6.00% 0 0 0 46,936.19 807,926.12 34 68 6.00% 0 0 0 49,831.12 857,757.24 35 69 6.00% 0 0 0 52,904.59 910,661.83 36 70 6.00% 0 0 0 56,167.63 966,829.46 37 71 6.00% 0 0 0 59,631.93 1,026,461.38 38 72 6.00% 0 0 0 63,309.89 1,089,771.27 39 73 6.00% 0 0 0 67,214.71 1,156,985.98 40 74 6.00% 0 0 0 71,360.36 1,228,346.35 41 75 6.00% 0 0 0 75,761.71 1,304,108.06 42 76 6.00% 0 0 0 80,434.53 1,384,542.59 43 77 6.00% 0 0 0 85,395.56 1,469,938.15 44 78 6.00% 0 0 0 90,662.57 1,560,600.72 45 79 6.00% 0 0 0 96,254.44 1,656,855.16 46 80 6.00% 0 0 0 102,191.20 1,759,046.36 47 81 6.00% 0 0 0 108,494.13 1,867,540.49 48 82 6.00% 0 0 0 115,185.81 1,982,726.30 49 83 6.00% 0 0 0 122,290.22 2,105,016.52 50 84 6.00% 0 0 0 129,832.81 2,234,849.33 51 85 6.00% 0 0 0 137,840.62 2,372,689.95 52 86 6.00% 0 0 0 146,342.32 2,519,032.27 53 87 6.00% 0 0 0 155,368.40 2,674,400.67 54 88 6.00% 0 0 0 164,951.18 2,839,351.85 55 89 6.00% 0 0 0 175,125.01 3,014,476.86 56 90 6.00% 0 0 0 185,926.34 3,200,403.20 57 91 6.00% 0 0 0 197,393.87 3,397,797.06 58 92 6.00% 0 0 0 209,568.69 3,607,365.75 59 93 6.00% 0 0 0 222,494.43 3,829,860.18 60 94 6.00% 0 0 0 236,217.40 4,066,077.57 © 2008 Vertex42.com
  • 3. Tracking 401(k) Rate of Return http://www.vertex42.com/Calculators/401k-savings-calculator.html © 2008 Vertex42 LLC Cumulative Contribution IRR My Employer Value My Employer Total Total Gain Cash Flow Date Contribution Contribution (Balance) Contribution Contribution Contribution (Loss) (Total Contrib) Begin: 31-Dec-08 826.00 413.00 1250.00 826.00 413.00 1239.00 11.00 1250.00 S 31-Jan-09 134.00 67.00 1545.64 960.00 480.00 1440.00 105.64 201.00 T 28-Feb-09 134.00 67.00 1694.69 1094.00 547.00 1641.00 53.69 201.00 A 31-Mar-09 134.00 67.00 1866.77 1228.00 614.00 1842.00 24.77 201.00 T 30-Apr-09 134.00 67.00 2052.84 1362.00 681.00 2043.00 9.84 201.00 E 31-May-09 200.00 100.00 2359.15 1562.00 781.00 2343.00 16.15 300.00 M 30-Jun-09 134.00 67.00 2475.13 1696.00 848.00 2544.00 (68.87) 201.00 E 0.00 N 0.00 T 0.00 S 0.00 Insert new rows above this one 45.94% 30-Jun-09 -2475.13 -2475.13 Personal IRR: 186.5% Portfolio IRR: -8.86% $3,000 Column H Column G $2,500 Column E $2,000 $1,500 $1,000 $500 $- 31-Dec-08 31-Jan-09 28-Feb-09 31-Mar-09 30-Apr-09 31-May-09 30-Jun-09