How this calculator works for Maryland residents

Maryland residents in Baltimore, Columbia, Germantown, Silver Spring, and Frederick can use this 401(k) calculator to see if their contributions are on track for retirement.

Key features for Maryland 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.