By contributing 4.00% of your salary to your retirement plan you may accumulate a plan balance of $872,492 at retirement at an out-of-pocket cost of just $147,295.<table class='pure-table' role='grid'><tr><th class='section'>Accumulation analysis</th><th scope="col">(%)</th><th scope="col">($)</th></tr><tr><td>Your contribution</td><td>4.0%</td><td>$4,040</td></tr><tr><td>Employer match</td><td>100.0%</td><td>$4,040</td></tr><tr><td>Maximum employer contribution</td><td>4.0%</td><td>$4,040</td></tr><tr><td>Your cumulative contributions</td><td></td><td>$147,295</td></tr><tr><td>Employer cumulative contributions</td><td></td><td>$147,295</td></tr><tr><td>Total before-tax value in year 25</td><td></td><td>$872,492</td></tr></table> <div id="chart1Container">Chart will load here</div> <script type="text/javascript"> <!-- var myChart1 = new FusionCharts( "StackedColumn2D", "myChart1Id", "100%", "100%", "0", "1" ); myChart1.setXMLData("<chart showValues='0' showFCMenuItem='0' decimals='0' formatNumberScale='0' legendPosition='RIGHT' reverseLegend='1' caption='Retirement Plan Accumulation' xAxisName='Year' numberPrefix='$' 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' /><category label='' /><category label='' /><category label='25' /></categories><dataset seriesName='Current Balance'><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /><set value='5000.0' /></dataset><dataset seriesName='Your Contribution'><set value='4040.0' /><set value='8201.0' /><set value='12487.0' /><set value='16902.0' /><set value='21449.0' /><set value='26132.0' /><set value='30956.0' /><set value='35925.0' /><set value='41043.0' /><set value='46314.0' /><set value='51743.0' /><set value='57336.0' /><set value='63096.0' /><set value='69029.0' /><set value='75140.0' /><set value='81434.0' /><set value='87917.0' /><set value='94594.0' /><set value='101472.0' /><set value='108556.0' /><set value='115853.0' /><set value='123369.0' /><set value='131110.0' /><set value='139083.0' /><set value='147295.0' /></dataset><dataset seriesName='Employer Match'><set value='4040.0' /><set value='8201.0' /><set value='12487.0' /><set value='16902.0' /><set value='21449.0' /><set value='26132.0' /><set value='30956.0' /><set value='35925.0' /><set value='41043.0' /><set value='46314.0' /><set value='51743.0' /><set value='57336.0' /><set value='63096.0' /><set value='69029.0' /><set value='75140.0' /><set value='81434.0' /><set value='87917.0' /><set value='94594.0' /><set value='101472.0' /><set value='108556.0' /><set value='115853.0' /><set value='123369.0' /><set value='131110.0' /><set value='139083.0' /><set value='147295.0' /></dataset><dataset seriesName='Interest Growth'><set value='760.0' /><set value='2266.0' /><set value='4599.0' /><set value='7851.0' /><set value='12118.0' /><set value='17507.0' /><set value='24136.0' /><set value='32131.0' /><set value='41629.0' /><set value='52782.0' /><set value='65752.0' /><set value='80717.0' /><set value='97871.0' /><set value='117425.0' /><set value='139606.0' /><set value='164663.0' /><set value='192867.0' /><set value='224511.0' /><set value='259914.0' /><set value='299422.0' /><set value='343412.0' /><set value='392292.0' /><set value='446505.0' /><set value='506534.0' /><set value='572901.0' /></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>$5,000</td><td>$4,040</td><td>$4,040</td><td>$760</td><td>$13,840</td></tr><tr><td role="rowheader" scope="row">2</td><td>13,840</td><td>4,161</td><td>4,161</td><td>1,506</td><td>23,668</td></tr><tr><td role="rowheader" scope="row">3</td><td>23,668</td><td>4,286</td><td>4,286</td><td>2,333</td><td>34,574</td></tr><tr><td role="rowheader" scope="row">4</td><td>34,574</td><td>4,415</td><td>4,415</td><td>3,251</td><td>46,654</td></tr><tr><td role="rowheader" scope="row">5</td><td>46,654</td><td>4,547</td><td>4,547</td><td>4,267</td><td>60,015</td></tr><tr><td role="rowheader" scope="row">6</td><td>60,015</td><td>4,683</td><td>4,683</td><td>5,390</td><td>74,772</td></tr><tr><td role="rowheader" scope="row">7</td><td>74,772</td><td>4,824</td><td>4,824</td><td>6,629</td><td>91,049</td></tr><tr><td role="rowheader" scope="row">8</td><td>91,049</td><td>4,969</td><td>4,969</td><td>7,995</td><td>108,981</td></tr><tr><td role="rowheader" scope="row">9</td><td>108,981</td><td>5,118</td><td>5,118</td><td>9,498</td><td>128,715</td></tr><tr><td role="rowheader" scope="row">10</td><td>128,715</td><td>5,271</td><td>5,271</td><td>11,153</td><td>150,410</td></tr><tr><td role="rowheader" scope="row">11</td><td>150,410</td><td>5,429</td><td>5,429</td><td>12,970</td><td>174,239</td></tr><tr><td role="rowheader" scope="row">12</td><td>174,239</td><td>5,592</td><td>5,592</td><td>14,965</td><td>200,389</td></tr><tr><td role="rowheader" scope="row">13</td><td>200,389</td><td>5,760</td><td>5,760</td><td>17,154</td><td>229,063</td></tr><tr><td role="rowheader" scope="row">14</td><td>229,063</td><td>5,933</td><td>5,933</td><td>19,553</td><td>260,482</td></tr><tr><td role="rowheader" scope="row">15</td><td>260,482</td><td>6,111</td><td>6,111</td><td>22,181</td><td>294,885</td></tr><tr><td role="rowheader" scope="row">16</td><td>294,885</td><td>6,294</td><td>6,294</td><td>25,057</td><td>332,531</td></tr><tr><td role="rowheader" scope="row">17</td><td>332,531</td><td>6,483</td><td>6,483</td><td>28,204</td><td>373,701</td></tr><tr><td role="rowheader" scope="row">18</td><td>373,701</td><td>6,678</td><td>6,678</td><td>31,644</td><td>418,700</td></tr><tr><td role="rowheader" scope="row">19</td><td>418,700</td><td>6,878</td><td>6,878</td><td>35,403</td><td>467,858</td></tr><tr><td role="rowheader" scope="row">20</td><td>467,858</td><td>7,084</td><td>7,084</td><td>39,508</td><td>521,535</td></tr><tr><td role="rowheader" scope="row">21</td><td>521,535</td><td>7,297</td><td>7,297</td><td>43,990</td><td>580,118</td></tr><tr><td role="rowheader" scope="row">22</td><td>580,118</td><td>7,516</td><td>7,516</td><td>48,880</td><td>644,029</td></tr><tr><td role="rowheader" scope="row">23</td><td>644,029</td><td>7,741</td><td>7,741</td><td>54,214</td><td>713,725</td></tr><tr><td role="rowheader" scope="row">24</td><td>713,725</td><td>7,973</td><td>7,973</td><td>60,029</td><td>789,700</td></tr><tr><td role="rowheader" scope="row">25</td><td>789,700</td><td>8,212</td><td>8,212</td><td>66,367</td><td>872,492</td></tr></table>