By contributing 4.00% of your salary to your retirement plan you may accumulate a plan balance of $1,049,286 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>$1,049,286</td></tr></table> <div id="chart1Container">Chart will load here</div> <script type="text/javascript"> <!-- var myChart1 = new FusionCharts( "StackedColumn2D", "myChart1Id", "100%", "100%", "0", "1" ); myChart1.setXMLData("<chart showValues='0' showFCMenuItem='0' decimals='0' formatNumberScale='0' legendPosition='RIGHT' reverseLegend='1' caption='Retirement Plan Accumulation' xAxisName='Year' numberPrefix='$' 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='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /><set value='29000.0' /></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='2756.0' /><set value='6423.0' /><set value='11098.0' /><set value='16885.0' /><set value='23899.0' /><set value='32265.0' /><set value='42116.0' /><set value='53602.0' /><set value='66881.0' /><set value='82129.0' /><set value='99535.0' /><set value='119306.0' /><set value='141664.0' /><set value='166855.0' /><set value='195142.0' /><set value='226813.0' /><set value='262181.0' /><set value='301584.0' /><set value='345392.0' /><set value='394003.0' /><set value='447854.0' /><set value='507414.0' /><set value='573196.0' /><set value='645755.0' /><set value='725695.0' /></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>$29,000</td><td>$4,040</td><td>$4,040</td><td>$2,756</td><td>$39,836</td></tr><tr><td role="rowheader" scope="row">2</td><td>39,836</td><td>4,161</td><td>4,161</td><td>3,667</td><td>51,826</td></tr><tr><td role="rowheader" scope="row">3</td><td>51,826</td><td>4,286</td><td>4,286</td><td>4,675</td><td>65,072</td></tr><tr><td role="rowheader" scope="row">4</td><td>65,072</td><td>4,415</td><td>4,415</td><td>5,787</td><td>79,689</td></tr><tr><td role="rowheader" scope="row">5</td><td>79,689</td><td>4,547</td><td>4,547</td><td>7,014</td><td>95,797</td></tr><tr><td role="rowheader" scope="row">6</td><td>95,797</td><td>4,683</td><td>4,683</td><td>8,365</td><td>113,529</td></tr><tr><td role="rowheader" scope="row">7</td><td>113,529</td><td>4,824</td><td>4,824</td><td>9,852</td><td>133,029</td></tr><tr><td role="rowheader" scope="row">8</td><td>133,029</td><td>4,969</td><td>4,969</td><td>11,485</td><td>154,452</td></tr><tr><td role="rowheader" scope="row">9</td><td>154,452</td><td>5,118</td><td>5,118</td><td>13,280</td><td>177,967</td></tr><tr><td role="rowheader" scope="row">10</td><td>177,967</td><td>5,271</td><td>5,271</td><td>15,248</td><td>203,757</td></tr><tr><td role="rowheader" scope="row">11</td><td>203,757</td><td>5,429</td><td>5,429</td><td>17,406</td><td>232,022</td></tr><tr><td role="rowheader" scope="row">12</td><td>232,022</td><td>5,592</td><td>5,592</td><td>19,770</td><td>262,977</td></tr><tr><td role="rowheader" scope="row">13</td><td>262,977</td><td>5,760</td><td>5,760</td><td>22,359</td><td>296,856</td></tr><tr><td role="rowheader" scope="row">14</td><td>296,856</td><td>5,933</td><td>5,933</td><td>25,191</td><td>333,912</td></tr><tr><td role="rowheader" scope="row">15</td><td>333,912</td><td>6,111</td><td>6,111</td><td>28,287</td><td>374,421</td></tr><tr><td role="rowheader" scope="row">16</td><td>374,421</td><td>6,294</td><td>6,294</td><td>31,671</td><td>418,681</td></tr><tr><td role="rowheader" scope="row">17</td><td>418,681</td><td>6,483</td><td>6,483</td><td>35,368</td><td>467,014</td></tr><tr><td role="rowheader" scope="row">18</td><td>467,014</td><td>6,678</td><td>6,678</td><td>39,403</td><td>519,773</td></tr><tr><td role="rowheader" scope="row">19</td><td>519,773</td><td>6,878</td><td>6,878</td><td>43,808</td><td>577,336</td></tr><tr><td role="rowheader" scope="row">20</td><td>577,336</td><td>7,084</td><td>7,084</td><td>48,612</td><td>640,116</td></tr><tr><td role="rowheader" scope="row">21</td><td>640,116</td><td>7,297</td><td>7,297</td><td>53,850</td><td>708,560</td></tr><tr><td role="rowheader" scope="row">22</td><td>708,560</td><td>7,516</td><td>7,516</td><td>59,560</td><td>783,151</td></tr><tr><td role="rowheader" scope="row">23</td><td>783,151</td><td>7,741</td><td>7,741</td><td>65,782</td><td>864,415</td></tr><tr><td role="rowheader" scope="row">24</td><td>864,415</td><td>7,973</td><td>7,973</td><td>72,559</td><td>952,921</td></tr><tr><td role="rowheader" scope="row">25</td><td>952,921</td><td>8,212</td><td>8,212</td><td>79,939</td><td>1,049,286</td></tr></table>