How this calculator works for California residents

California's high cost of living makes retirement planning critical. This 401(k) calculator helps Californians in Los Angeles, San Francisco, San Diego, Sacramento, and San Jose see if they're on track with the employer match.

Key features for California planning

• Employer Match — Model employer matching formulas, including match caps, to see how fast matching contributions grow your balance.
• Withdrawal Planning — Simulate annual withdrawals in retirement to see how long your projected balance lasts.
• Contribution Limits — Project contributions in line with current IRS 401(k) contribution and catch-up limits.
• Growth Projections — Compound your current balance, contributions, and match year over year out to age 100.
• Year-by-Year Table — Review balance, contributions, match, and earnings each year in a clear table.