employer benefits

401(k) Contribution Guide: How Much Should You Contribute in 2025?

401(k) Contribution Guide: How Much Should You Contribute in 2025? The biggest financial mistake of my 20s? Contributing only 3% to my 401(k) — just enough to "get the match." I left years of additional tax savings and compound growth on the table because I wanted more money for, honestly, stuff I can't even remember buying. When I finally ran the numbers at 30, I realized that 3% versus 15% contribution meant the difference between retiring at 65 or working until 72. I've been maxing out ever since. You should contribute at least enough to your 401(k) to get your full employer match—typically 3-6% of your salary. Ideally, aim for 10-15% of your income, including the match. If you can max out at $23,500 (or $31,000 if 50+), you'll supercharge your retirement savings. Use our 401(k) Calculator(/finance/401k-calculator) to see how different contribution levels affect your retirement balance. Understanding 401(k) Basics...