There have been recent threads with this theme, and my 401k has hit $2.5M so I decided to estimate how much is from my contributions and how much from growth. I already know that the employer match portion is worth about $500k so that leaves $2M. I did some digging, and if anyone contributed the maximum including the catch up the past 35 years that would be about $570k. I am not old enough to have been eligible for the 50+ going back to 2002 and not sure I contributed the max in the early years, so I may have not even contributed $500k, but with the power of compounding and amazing bull market returns, that is now worth $2M. One day I will try to estimate this for our whole portfolio, how much was actual initial savings and how much from growth, but interesting with the 401k less than 25% of the current value was actually contributed by me.
Year Limit 50+ Catchup
2021 19,500 6,500
2020 19,500 6,500
2019 19,000 6,000
2018 18,500 6,000
2017 18,000 6,000
2016 18,000 6,000
2015 18,000 6,000
2014 17,500 5,500
2013 17,500 5,500
2012 17,000 5,500
2011 16,500 5,500
2010 16,500 5,500
2009 16,500 5,500
2008 15,500 5,000
2007 15,500 5,000
2006 15,000 5,000
2005 14,000 4,000
2004 13,000 3,000
2003 12,000 2,000
2002 11,000 1,000
2001 10,500 101,000
2000 10,500
1999 10,000
1998 10,000
1997 9,500
1996 9,500
1995 9,240
1994 9,240
1993 8,994
1992 8,728
1991 8,475
1990 7,979
1989 7,627
1988 7,313
1987 7,000
1986 7,000
469,596
Year Limit 50+ Catchup
2021 19,500 6,500
2020 19,500 6,500
2019 19,000 6,000
2018 18,500 6,000
2017 18,000 6,000
2016 18,000 6,000
2015 18,000 6,000
2014 17,500 5,500
2013 17,500 5,500
2012 17,000 5,500
2011 16,500 5,500
2010 16,500 5,500
2009 16,500 5,500
2008 15,500 5,000
2007 15,500 5,000
2006 15,000 5,000
2005 14,000 4,000
2004 13,000 3,000
2003 12,000 2,000
2002 11,000 1,000
2001 10,500 101,000
2000 10,500
1999 10,000
1998 10,000
1997 9,500
1996 9,500
1995 9,240
1994 9,240
1993 8,994
1992 8,728
1991 8,475
1990 7,979
1989 7,627
1988 7,313
1987 7,000
1986 7,000
469,596