By contributing 6.00% of your salary to your retirement plan you may accumulate a plan balance of $4,866,567 at retirement at an out-of-pocket cost of just $193,405.<table class='pure-table' role='grid'><tr><th class='section'>Accumulation analysis</th><th scope="col">(%)</th><th scope="col">($)</th></tr><tr><td>Your contribution</td><td>6.0%</td><td>$8,160</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>$193,405</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>$4,866,567</td></tr></table> <div id="chart1Container">Chart will load here</div> <script type="text/javascript"> <!-- var myChart1 = new FusionCharts( "StackedColumn2D", "myChart1Id", "100%", "100%", "0", "1" ); myChart1.setXMLData("<chart showValues='0' showFCMenuItem='0' decimals='0' formatNumberScale='0' legendPosition='RIGHT' reverseLegend='1' caption='Retirement Plan Accumulation' xAxisName='Year' numberPrefix='$' 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='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='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='67219.0' /><set value='141396.0' /><set value='223135.0' /><set value='313089.0' /><set value='411965.0' /><set value='520530.0' /><set value='639617.0' /><set value='770125.0' /><set value='913032.0' /><set value='1069395.0' /><set value='1240361.0' /><set value='1427172.0' /><set value='1631174.0' /><set value='1853826.0' /><set value='2096709.0' /><set value='2361533.0' /><set value='2650155.0' /><set value='2964584.0' /><set value='3306999.0' /><set value='3679757.0' /></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>$8,160</td><td>$8,160</td><td>$67,219</td><td>$883,539</td></tr><tr><td role="rowheader" scope="row">2</td><td>883,539</td><td>8,303</td><td>8,303</td><td>74,178</td><td>974,322</td></tr><tr><td role="rowheader" scope="row">3</td><td>974,322</td><td>8,448</td><td>8,448</td><td>81,739</td><td>1,072,957</td></tr><tr><td role="rowheader" scope="row">4</td><td>1,072,957</td><td>8,596</td><td>8,596</td><td>89,953</td><td>1,180,103</td></tr><tr><td role="rowheader" scope="row">5</td><td>1,180,103</td><td>8,746</td><td>8,746</td><td>98,876</td><td>1,296,471</td></tr><tr><td role="rowheader" scope="row">6</td><td>1,296,471</td><td>8,899</td><td>8,899</td><td>108,565</td><td>1,422,835</td></tr><tr><td role="rowheader" scope="row">7</td><td>1,422,835</td><td>9,055</td><td>9,055</td><td>119,086</td><td>1,560,032</td></tr><tr><td role="rowheader" scope="row">8</td><td>1,560,032</td><td>9,214</td><td>9,214</td><td>130,508</td><td>1,708,968</td></tr><tr><td role="rowheader" scope="row">9</td><td>1,708,968</td><td>9,375</td><td>9,375</td><td>142,907</td><td>1,870,624</td></tr><tr><td role="rowheader" scope="row">10</td><td>1,870,624</td><td>9,539</td><td>9,539</td><td>156,363</td><td>2,046,065</td></tr><tr><td role="rowheader" scope="row">11</td><td>2,046,065</td><td>9,706</td><td>9,706</td><td>170,966</td><td>2,236,443</td></tr><tr><td role="rowheader" scope="row">12</td><td>2,236,443</td><td>9,876</td><td>9,876</td><td>186,811</td><td>2,443,006</td></tr><tr><td role="rowheader" scope="row">13</td><td>2,443,006</td><td>10,049</td><td>10,049</td><td>204,002</td><td>2,667,105</td></tr><tr><td role="rowheader" scope="row">14</td><td>2,667,105</td><td>10,224</td><td>10,224</td><td>222,652</td><td>2,910,206</td></tr><tr><td role="rowheader" scope="row">15</td><td>2,910,206</td><td>10,403</td><td>10,403</td><td>242,882</td><td>3,173,895</td></tr><tr><td role="rowheader" scope="row">16</td><td>3,173,895</td><td>10,585</td><td>10,585</td><td>264,824</td><td>3,459,890</td></tr><tr><td role="rowheader" scope="row">17</td><td>3,459,890</td><td>10,771</td><td>10,771</td><td>288,622</td><td>3,770,053</td></tr><tr><td role="rowheader" scope="row">18</td><td>3,770,053</td><td>10,959</td><td>10,959</td><td>314,429</td><td>4,106,401</td></tr><tr><td role="rowheader" scope="row">19</td><td>4,106,401</td><td>11,151</td><td>11,151</td><td>342,414</td><td>4,471,117</td></tr><tr><td role="rowheader" scope="row">20</td><td>4,471,117</td><td>11,346</td><td>11,346</td><td>372,759</td><td>4,866,567</td></tr></table>