By contributing 10.00% of your salary to your retirement plan you may accumulate a plan balance of $5,171,188 at retirement at an out-of-pocket cost of just $322,342.<table class='pure-table' role='grid'><tr><th class='section'>Accumulation analysis</th><th scope="col">(%)</th><th scope="col">($)</th></tr><tr><td>Your contribution</td><td>10.0%</td><td>$13,600</td></tr><tr><td>Employer match</td><td>100.0%</td><td>$8,160</td></tr><tr><td>Maximum employer contribution</td><td>6.0%</td><td>$8,160</td></tr><tr><td>Your cumulative contributions</td><td></td><td>$322,342</td></tr><tr><td>Employer cumulative contributions</td><td></td><td>$193,405</td></tr><tr><td>Total before-tax value in year 20</td><td></td><td>$5,171,188</td></tr></table> <div id="chart1Container">Chart will load here</div> <script type="text/javascript"> <!-- var myChart1 = new FusionCharts( "StackedColumn2D", "myChart1Id", "100%", "100%", "0", "1" ); myChart1.setXMLData("<chart showValues='0' showFCMenuItem='0' decimals='0' formatNumberScale='0' legendPosition='RIGHT' reverseLegend='1' caption='Retirement Plan Accumulation' xAxisName='Year' numberPrefix='$' bgColor='FFFFFF' showBorder='1' borderColor='FFFFFF' borderThickness='1' canvasBgColor='ffffff' showAlternateHGridColor='0' plotGradientColor='' numberSuffix='' thousandSeparator=',' decimalSeparator='.'><categories><category label='1' /><category label='' /><category label='3' /><category label='' /><category label='5' /><category label='' /><category label='7' /><category label='' /><category label='9' /><category label='' /><category label='11' /><category label='' /><category label='13' /><category label='' /><category label='15' /><category label='' /><category label='17' /><category label='' /><category label='19' /><category label='' /></categories><dataset seriesName='Current Balance'><set value='800000.0' /><set value='800000.0' /><set value='800000.0' /><set value='800000.0' /><set value='800000.0' /><set value='800000.0' /><set value='800000.0' /><set value='800000.0' /><set value='800000.0' /><set value='800000.0' /><set value='800000.0' /><set value='800000.0' /><set value='800000.0' /><set value='800000.0' /><set value='800000.0' /><set value='800000.0' /><set value='800000.0' /><set value='800000.0' /><set value='800000.0' /><set value='800000.0' /></dataset><dataset seriesName='Your Contribution'><set value='13600.0' /><set value='27438.0' /><set value='41518.0' /><set value='55845.0' /><set value='70422.0' /><set value='85254.0' /><set value='100346.0' /><set value='115702.0' /><set value='131327.0' /><set value='147225.0' /><set value='163402.0' /><set value='179861.0' /><set value='196609.0' /><set value='213650.0' /><set value='230989.0' /><set value='248631.0' /><set value='266582.0' /><set value='284847.0' /><set value='303432.0' /><set value='322342.0' /></dataset><dataset seriesName='Employer Match'><set value='8160.0' /><set value='16463.0' /><set value='24911.0' /><set value='33507.0' /><set value='42253.0' /><set value='51153.0' /><set value='60208.0' /><set value='69421.0' /><set value='78796.0' /><set value='88335.0' /><set value='98041.0' /><set value='107917.0' /><set value='117965.0' /><set value='128190.0' /><set value='138593.0' /><set value='149178.0' /><set value='159949.0' /><set value='170908.0' /><set value='182059.0' /><set value='193405.0' /></dataset><dataset seriesName='Interest Growth'><set value='67451.0' /><set value='142336.0' /><set value='225306.0' /><set value='317065.0' /><set value='418377.0' /><set value='530071.0' /><set value='653044.0' /><set value='788268.0' /><set value='936799.0' /><set value='1099777.0' /><set value='1278443.0' /><set value='1474136.0' /><set value='1688312.0' /><set value='1922545.0' /><set value='2178543.0' /><set value='2458156.0' /><set value='2763389.0' /><set value='3096412.0' /><set value='3459580.0' /><set value='3855441.0' /></dataset></chart>"); // --> </script> <table class='pure-table pure-table-bordered' role='grid'><tr><th scope="col">Year</th><th scope="col">Beginning Balance</th><th scope="col">Your Contribution</th><th scope="col">Employer Contribution</th><th scope="col">Interest @ 8.0%</th><th scope="col">Ending Balance</th></tr><tr><td role="rowheader" scope="row">1</td><td>$800,000</td><td>$13,600</td><td>$8,160</td><td>$67,451</td><td>$889,211</td></tr><tr><td role="rowheader" scope="row">2</td><td>889,211</td><td>13,838</td><td>8,303</td><td>74,885</td><td>986,237</td></tr><tr><td role="rowheader" scope="row">3</td><td>986,237</td><td>14,080</td><td>8,448</td><td>82,970</td><td>1,091,735</td></tr><tr><td role="rowheader" scope="row">4</td><td>1,091,735</td><td>14,327</td><td>8,596</td><td>91,759</td><td>1,206,416</td></tr><tr><td role="rowheader" scope="row">5</td><td>1,206,416</td><td>14,577</td><td>8,746</td><td>101,313</td><td>1,331,053</td></tr><tr><td role="rowheader" scope="row">6</td><td>1,331,053</td><td>14,832</td><td>8,899</td><td>111,694</td><td>1,466,478</td></tr><tr><td role="rowheader" scope="row">7</td><td>1,466,478</td><td>15,092</td><td>9,055</td><td>122,973</td><td>1,613,598</td></tr><tr><td role="rowheader" scope="row">8</td><td>1,613,598</td><td>15,356</td><td>9,214</td><td>135,224</td><td>1,773,392</td></tr><tr><td role="rowheader" scope="row">9</td><td>1,773,392</td><td>15,625</td><td>9,375</td><td>148,530</td><td>1,946,922</td></tr><tr><td role="rowheader" scope="row">10</td><td>1,946,922</td><td>15,898</td><td>9,539</td><td>162,979</td><td>2,135,338</td></tr><tr><td role="rowheader" scope="row">11</td><td>2,135,338</td><td>16,176</td><td>9,706</td><td>178,665</td><td>2,339,886</td></tr><tr><td role="rowheader" scope="row">12</td><td>2,339,886</td><td>16,460</td><td>9,876</td><td>195,693</td><td>2,561,914</td></tr><tr><td role="rowheader" scope="row">13</td><td>2,561,914</td><td>16,748</td><td>10,049</td><td>214,176</td><td>2,802,886</td></tr><tr><td role="rowheader" scope="row">14</td><td>2,802,886</td><td>17,041</td><td>10,224</td><td>234,233</td><td>3,064,384</td></tr><tr><td role="rowheader" scope="row">15</td><td>3,064,384</td><td>17,339</td><td>10,403</td><td>255,998</td><td>3,348,125</td></tr><tr><td role="rowheader" scope="row">16</td><td>3,348,125</td><td>17,642</td><td>10,585</td><td>279,613</td><td>3,655,966</td></tr><tr><td role="rowheader" scope="row">17</td><td>3,655,966</td><td>17,951</td><td>10,771</td><td>305,232</td><td>3,989,920</td></tr><tr><td role="rowheader" scope="row">18</td><td>3,989,920</td><td>18,265</td><td>10,959</td><td>333,024</td><td>4,352,168</td></tr><tr><td role="rowheader" scope="row">19</td><td>4,352,168</td><td>18,585</td><td>11,151</td><td>363,168</td><td>4,745,071</td></tr><tr><td role="rowheader" scope="row">20</td><td>4,745,071</td><td>18,910</td><td>11,346</td><td>395,861</td><td>5,171,188</td></tr></table>