By contributing 6.00% of your salary to your retirement plan you may accumulate a plan balance of $913,434 at retirement at an out-of-pocket cost of just $219,865.<table class='pure-table' role='grid'><tr><th class='section'>Accumulation analysis</th><th scope="col">(%)</th><th scope="col">($)</th></tr><tr><td>Your contribution</td><td>6.0%</td><td>$7,200</td></tr><tr><td>Employer match</td><td>100.0%</td><td>$4,800</td></tr><tr><td>Maximum employer contribution</td><td>4.0%</td><td>$4,800</td></tr><tr><td>Your cumulative contributions</td><td></td><td>$219,865</td></tr><tr><td>Employer cumulative contributions</td><td></td><td>$146,577</td></tr><tr><td>Total before-tax value in year 22</td><td></td><td>$913,434</td></tr></table> <div id="chart1Container">Chart will load here</div> <script type="text/javascript"> <!-- var myChart1 = new FusionCharts( "StackedColumn2D", "myChart1Id", "100%", "100%", "0", "1" ); myChart1.setXMLData("<chart showValues='0' showFCMenuItem='0' decimals='0' formatNumberScale='0' legendPosition='RIGHT' reverseLegend='1' caption='Retirement Plan Accumulation' xAxisName='Year' numberPrefix='$' bgColor='FFFFFF' showBorder='1' borderColor='FFFFFF' borderThickness='1' canvasBgColor='ffffff' showAlternateHGridColor='0' plotGradientColor='' numberSuffix='' thousandSeparator=',' decimalSeparator='.'><categories><category label='1' /><category label='' /><category label='' /><category label='4' /><category label='' /><category label='' /><category label='7' /><category label='' /><category label='' /><category label='10' /><category label='' /><category label='' /><category label='13' /><category label='' /><category label='' /><category label='16' /><category label='' /><category label='' /><category label='19' /><category label='' /><category label='' /><category label='22' /></categories><dataset seriesName='Current Balance'><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /></dataset><dataset seriesName='Your Contribution'><set value='7200.0' /><set value='14616.0' /><set value='22254.0' /><set value='30122.0' /><set value='38226.0' /><set value='46573.0' /><set value='55170.0' /><set value='64025.0' /><set value='73146.0' /><set value='82540.0' /><set value='92216.0' /><set value='102183.0' /><set value='112448.0' /><set value='123022.0' /><set value='133912.0' /><set value='145130.0' /><set value='156683.0' /><set value='168584.0' /><set value='180841.0' /><set value='193467.0' /><set value='206471.0' /><set value='219865.0' /></dataset><dataset seriesName='Employer Match'><set value='4800.0' /><set value='9744.0' /><set value='14836.0' /><set value='20081.0' /><set value='25484.0' /><set value='31048.0' /><set value='36780.0' /><set value='42683.0' /><set value='48764.0' /><set value='55027.0' /><set value='61477.0' /><set value='68122.0' /><set value='74965.0' /><set value='82014.0' /><set value='89275.0' /><set value='96753.0' /><set value='104456.0' /><set value='112389.0' /><set value='120561.0' /><set value='128978.0' /><set value='137647.0' /><set value='146577.0' /></dataset><dataset seriesName='Interest Growth'><set value='511.0' /><set value='2079.0' /><set value='4820.0' /><set value='8864.0' /><set value='14351.0' /><set value='21435.0' /><set value='30283.0' /><set value='41076.0' /><set value='54013.0' /><set value='69309.0' /><set value='87199.0' /><set value='107938.0' /><set value='131804.0' /><set value='159099.0' /><set value='190152.0' /><set value='225320.0' /><set value='264990.0' /><set value='309586.0' /><set value='359564.0' /><set value='415423.0' /><set value='477703.0' /><set value='546992.0' /></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>$0</td><td>$7,200</td><td>$4,800</td><td>$511</td><td>$12,511</td></tr><tr><td role="rowheader" scope="row">2</td><td>12,511</td><td>7,416</td><td>4,944</td><td>1,567</td><td>26,439</td></tr><tr><td role="rowheader" scope="row">3</td><td>26,439</td><td>7,638</td><td>5,092</td><td>2,741</td><td>41,911</td></tr><tr><td role="rowheader" scope="row">4</td><td>41,911</td><td>7,868</td><td>5,245</td><td>4,044</td><td>59,067</td></tr><tr><td role="rowheader" scope="row">5</td><td>59,067</td><td>8,104</td><td>5,402</td><td>5,487</td><td>78,061</td></tr><tr><td role="rowheader" scope="row">6</td><td>78,061</td><td>8,347</td><td>5,565</td><td>7,084</td><td>99,056</td></tr><tr><td role="rowheader" scope="row">7</td><td>99,056</td><td>8,597</td><td>5,731</td><td>8,848</td><td>122,232</td></tr><tr><td role="rowheader" scope="row">8</td><td>122,232</td><td>8,855</td><td>5,903</td><td>10,793</td><td>147,784</td></tr><tr><td role="rowheader" scope="row">9</td><td>147,784</td><td>9,121</td><td>6,080</td><td>12,937</td><td>175,922</td></tr><tr><td role="rowheader" scope="row">10</td><td>175,922</td><td>9,394</td><td>6,263</td><td>15,296</td><td>206,875</td></tr><tr><td role="rowheader" scope="row">11</td><td>206,875</td><td>9,676</td><td>6,451</td><td>17,890</td><td>240,892</td></tr><tr><td role="rowheader" scope="row">12</td><td>240,892</td><td>9,966</td><td>6,644</td><td>20,739</td><td>278,242</td></tr><tr><td role="rowheader" scope="row">13</td><td>278,242</td><td>10,265</td><td>6,844</td><td>23,866</td><td>319,217</td></tr><tr><td role="rowheader" scope="row">14</td><td>319,217</td><td>10,573</td><td>7,049</td><td>27,295</td><td>364,135</td></tr><tr><td role="rowheader" scope="row">15</td><td>364,135</td><td>10,891</td><td>7,260</td><td>31,053</td><td>413,339</td></tr><tr><td role="rowheader" scope="row">16</td><td>413,339</td><td>11,217</td><td>7,478</td><td>35,168</td><td>467,203</td></tr><tr><td role="rowheader" scope="row">17</td><td>467,203</td><td>11,554</td><td>7,703</td><td>39,671</td><td>526,130</td></tr><tr><td role="rowheader" scope="row">18</td><td>526,130</td><td>11,901</td><td>7,934</td><td>44,595</td><td>590,559</td></tr><tr><td role="rowheader" scope="row">19</td><td>590,559</td><td>12,258</td><td>8,172</td><td>49,978</td><td>660,966</td></tr><tr><td role="rowheader" scope="row">20</td><td>660,966</td><td>12,625</td><td>8,417</td><td>55,859</td><td>737,867</td></tr><tr><td role="rowheader" scope="row">21</td><td>737,867</td><td>13,004</td><td>8,669</td><td>62,280</td><td>821,821</td></tr><tr><td role="rowheader" scope="row">22</td><td>821,821</td><td>13,394</td><td>8,929</td><td>69,289</td><td>913,434</td></tr></table>