Generates a clean printable summary you can save as PDF and share with your advisor.
01 / Inputs
Drive the model
Tap the small on any input to lock its value while you experiment with others.
Core inputs
Annual Salary
Override after a raise
$
Your Contribution
Max allowed: 29.51% · 2026 IRS cap: $24,500
%
0%15%29.51%
Auto Step-Up
Automatically increase your contribution over time — many plans support this.
INCREASE BY
%
EVERY
UNTIL MAX
%
Current 401(k) Balance
Pre-tax balance — starting point
$
Annual Rate of Return
Pre-retirement. Compounded biweekly.
%
0%7.5%15%
10% Profit Sharing
Annual lump sum, deposited May 1
Reality. Matches actual employer contribution.
Catch-Up Contributions
IRS allows an extra $7,500/yr starting at age 50. For you, eligible 2034 onward.
Only takes effect once your contribution would otherwise hit the $24,500 cap — at your current rate, that may not happen.
Other pre-tax benefits
These reduce your taxable income and FICA base. Defaults match Joseph's current paystub.
Aflac (per paycheck)
$
Medical (per paycheck)
$
Vision (per paycheck)
$
Retirement assumptions
These drive the "years funded" calculation — how long your 401(k) can replace your income in retirement.
Income Replacement Ratio
% of pre-retirement income needed each year. Most planners use 70–85%.
%
50%75%100%
Social Security Confidence
How confident are you in the projected $3,978/mo benefit? The report used 70% (conservative).
Return During Retirement
Typically lower than pre-retirement (more conservative portfolio).
%
02 / Career
Salary trajectory
Salary history
Default raises
COLA + Merit are added together, not compounded. With 3.0% COLA and 2.5% Merit, each "+MERIT" year applies a 5.5% raise (not 5.575%).
COLA (annual)
Cost-of-living adjustment. Your guaranteed floor.
%
Typical Merit
Conservative default of 2.5%. Your historical average was 3.64% — sustaining that for 25 years would be optimistic, so 2.5% is a safer planning baseline. Adjust as you see fit.
%
Projected salary
Solid green line is your scenario. Dashed grey is COLA only (your floor). Dashed light green is COLA + typical merit (your expected). Shaded region shows the range of outcomes.
FloorExpectedYour plan
FLOOR · FINAL YEAR
—
YOU · FINAL YEAR
—
Expected (COLA + Merit) ends at — · Chart extends through age 67 to show your last working year.
Year-by-year raises
Each year defaults to COLA + Merit. Tap COLA to model a year without a merit increase, or CUSTOM to enter a specific %. Changes cascade forward — every subsequent year compounds on the new base.
03 / Per Paycheck
Every 2 weeks
1.0%
YOUR CONTRIBUTION
Gross pay$0
Aflac pre-tax$0
Medical pre-tax$0
Vision pre-tax$0
Total benefits$0
Your 401(k)$0
Federal tax$0
Ohio state (2.75%)$0
Strongsville (2%)$0
FICA + Medicare$0
Net pay$0
Employer match (3%)$0
Total to 401(k)$0
VS. CURRENT 1%
Net pay—
Your 401(k)—
Federal tax—
State tax—
04 / Trajectory
2026 → 2050
Compare contribution rates over time. Drag the scrubber below to see balances at any year.
YOU6% RECOther rates
SNAPSHOT YEAR
2050
Where the money comes from
By 2050, your balance is built from these sources: