401(k) Calculator
Massachusetts

From Boston to Worcester, Cambridge to Springfield, Massachusetts residents can project retirement using 401(k) planning with withdrawal planning.

How this calculator works for Massachusetts residents

From Boston to Worcester, Cambridge to Springfield, Massachusetts residents can project retirement using 401(k) planning with withdrawal planning.

Employer Match — Model employer matching formulas, including match caps, to see how fast matching contributions grow your balance.
Withdrawal Planning — Simulate annual withdrawals in retirement to see how long your projected balance lasts.
Contribution Limits — Project contributions in line with current IRS 401(k) contribution and catch-up limits.
Growth Projections — Compound your current balance, contributions, and match year over year out to age 100.
Year-by-Year Table — Review balance, contributions, match, and earnings each year in a clear table.

Open the calculator and enter your balance, salary, and contribution rate to project your retirement balance.

• The IRS 401(k) contribution limit for 2025 is $23,500 ($31,000 including catch-up for age 50+).
• Distributions before age 59½ usually incur an additional 10% early-withdrawal penalty.
• Many employers match 50% of contributions up to 6% of salary.
• Most advisors recommend contributing 10–15% of salary including the employer match.
• The 4% rule is the traditional safe withdrawal rate for a 30-year retirement.

From Boston to Worcester, Cambridge to Springfield, Massachusetts residents can project retirement using 401(k) planning with withdrawal planning.

From Boston to Worcester, Cambridge to Springfield, Massachusetts residents can project retirement using 401(k) planning with withdrawal planning.

Employer Match — Model employer matching formulas, including match caps, to see how fast matching contributions grow your balance.
Withdrawal Planning — Simulate annual withdrawals in retirement to see how long your projected balance lasts.
Contribution Limits — Project contributions in line with current IRS 401(k) contribution and catch-up limits.
Growth Projections — Compound your current balance, contributions, and match year over year out to age 100.
Year-by-Year Table — Review balance, contributions, match, and earnings each year in a clear table.

Open the calculator and enter your balance, salary, and contribution rate to project your retirement balance.

• The IRS 401(k) contribution limit for 2025 is $23,500 ($31,000 including catch-up for age 50+).
• Distributions before age 59½ usually incur an additional 10% early-withdrawal penalty.
• Many employers match 50% of contributions up to 6% of salary.
• Most advisors recommend contributing 10–15% of salary including the employer match.
• The 4% rule is the traditional safe withdrawal rate for a 30-year retirement.

From Boston to Worcester, Cambridge to Springfield, Massachusetts residents can project retirement using 401(k) planning with withdrawal planning.

From Boston to Worcester, Cambridge to Springfield, Massachusetts residents can project retirement using 401(k) planning with withdrawal planning.

Employer Match — Model employer matching formulas, including match caps, to see how fast matching contributions grow your balance.
Withdrawal Planning — Simulate annual withdrawals in retirement to see how long your projected balance lasts.
Contribution Limits — Project contributions in line with current IRS 401(k) contribution and catch-up limits.
Growth Projections — Compound your current balance, contributions, and match year over year out to age 100.
Year-by-Year Table — Review balance, contributions, match, and earnings each year in a clear table.

Open the calculator and enter your balance, salary, and contribution rate to project your retirement balance.

• The IRS 401(k) contribution limit for 2025 is $23,500 ($31,000 including catch-up for age 50+).
• Distributions before age 59½ usually incur an additional 10% early-withdrawal penalty.
• Many employers match 50% of contributions up to 6% of salary.
• Most advisors recommend contributing 10–15% of salary including the employer match.
• The 4% rule is the traditional safe withdrawal rate for a 30-year retirement.