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Are My investment Assumptions/Numbers Inaccurate? 401k Match is 100% to 10%

P
Nov 23, 2025 · 21:12

My Partner and I are calculating the potential retirement and numbers including 401k Match. It's a great company and we can see my partner working there for quite some time. Numbers:

$55,000 Income. ($26.5 per hour)
$14,000 Current 401k
7% Employee Contribution (At minimum)
Employer Match is 100% to 10% (If employee invests 7%)
Estimate a 9% average return. I know the last 4 years has been crazy, is 9% too much?
Growth period is 30 years.

Estimating at minimum a 2.5% increase in pay yearly assuming everything stays the same.

I'm Calculating about $1,655,000 at 9% and $1,350,000 at 8%

I've seen a few numbers depending on the calculator used but should it be around there right?

I'm a 100% Disabled Veteran so my "retirement" will be VA unless the govt goes broke and If that happens we're all screwed anyway. If I estimate a 2% increase yearly that would be about $92,000 a year for me and a 4% withdrawal for her at 8% would be $54,000 yearly.

Are her numbers accurate?