Optimiseur de Correspondance 401(k)
Key Financial Terms
Understand the essential concepts behind this calculator
401(k)
An employer-sponsored retirement account where you contribute pre-tax income, often with employer matching.
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Catch-Up Contribution
Extra retirement contributions allowed at age 50+. 401k: additional $7,500/year. IRA: additional $1,000/year. Helps late savers close gap.
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Employer Match
Free money from your employer when you contribute to a 401(k) or similar retirement plan, typically matching 3-6% of your salary.
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Vesting
The process of earning full ownership of employer-provided benefits like 401(k) matching contributions or stock options over time.
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Questions Fréquentes
Questions courantes sur Optimiseur de Correspondance 401(k)
Le 401(k) Match Maximizer est un outil qui vous aide à calculer le montant supplémentaire que votre employeur versera sur votre compte de retraite. En saisissant votre salaire et votre pourcentage de contribution, vous pouvez visualiser le potentiel « argent gratuit » que vous pourriez recevoir.
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Sources & References
401(k) Contribution Limits (2024)
Employee contribution limit: $23,000 (under 50) or $30,500 (50+). Total contributions including employer match: $69,000 or $76,500.
Vesting Schedules May Apply
Employer matching contributions may be subject to a vesting schedule. You may need to work for the company for a specific period (typically 2-6 years) before matched funds fully belong to you.
Consult Your Plan Document
This calculator provides general guidance. Actual match formulas, eligible compensation, and rules vary by employer. Always review your specific plan's Summary Plan Description (SPD) for exact details.
⚠️ Consult Your Plan Document