Contribution Accelerator

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Contribution Accelerator

See the compounding impact of small annual increases to your retirement contributions.

Inputs

Current balance ($)

Year 1 annual contribution ($)

Annual contribution increase (%)

Annual return (%)

Years

Results

Future value with acceleration

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Future value flat contribution

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Extra savings from acceleration

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Total contributions (accelerated)

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Total contributions (flat)

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Final year contribution

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Accelerating by raise amount is a common tactic — the increase is invisible to take-home pay if tied to annual salary bumps. Limits apply: 2025 401(k) employee max is $23,500 ($31,000 with catch-up age 50+).