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Loading your 401k analysis...
Enter your details to see what you're missing
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At Retirement
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Projected at 65
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With full match
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Free Money/Year
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Employer match
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Tax Savings
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Annual tax reduction
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Left On Table
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Uncaptured match/year
🎯 401k Verdict
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💼 Your 401k Details
Salary, contributions, and employer match
📊 401k Snapshot
Where you stand right now
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Employer Match Analysis
Are you capturing every free dollar your employer offers?
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Cost of Waiting
Every year you delay increasing contributions costs you at retirement
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Retirement Projections
Your 401k at age 55, 60, and 65 under different scenarios
401k Growth Projection
Your Money vs Employer Match
Contribution Allocation
Cost of Delay
401k Optimization Report
Vault & Vessel Studio ·
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How To Use
Stop leaving free money on the table — optimize every 401k dollar
🚀 Getting Started
1
Enter Your Salary
Your gross annual salary (before taxes). This determines your contribution amounts and tax savings.
2
Set Contribution & Match
Your contribution percentage and your employer's match formula. Check your HR portal or benefits docs for exact match details.
3
See What You're Missing
The dashboard shows uncaptured match money, tax savings, and projected balances. Red numbers = money you're leaving on the table.
4
Bump Your Contribution
Use the slider to see what happens at higher contribution rates. Even 1% more can add six figures to your retirement balance.
📊 Terms Made Simple
Employer Match: Free money your company adds to your 401k when you contribute. "3% match" means they put in 3% of your salary if you contribute at least that much. Not contributing enough = rejecting a raise.
Vesting: How much of the employer match you get to keep if you leave. 100% vested = it's all yours. Some companies vest gradually (20% per year for 5 years). Your own contributions are always 100% yours.
Tax Savings: 401k contributions reduce your taxable income. Contributing $4,500 at a 22% tax rate saves you $990 in taxes this year. You're investing pre-tax dollars — the government subsidizes your retirement.
Contribution Limit: The IRS caps how much you can put in per year. For 2025-2026, it's around $23,500 (under 50) or $31,000 (50+). Employer match doesn't count toward your limit.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not financial advice. Tax laws vary by situation. Consult a tax professional for specific guidance. Returns are not guaranteed.