From 34fa4764a9af77c75ee8a1a44b5bcf992c0f6bb5 Mon Sep 17 00:00:00 2001 From: Anson Biggs Date: Sun, 10 Aug 2025 23:00:30 -0600 Subject: [PATCH] init commit --- .gitlab-ci.yml | 11 + AGENTS.md | 20 + README.md | 145 ++++++ calculations.js | 204 ++++++++ calculations.test.js | 201 ++++++++ index.html | 1157 ++++++++++++++++++++++++++++++++++++++++++ 6 files changed, 1738 insertions(+) create mode 100644 .gitlab-ci.yml create mode 100644 AGENTS.md create mode 100644 README.md create mode 100644 calculations.js create mode 100644 calculations.test.js create mode 100644 index.html diff --git a/.gitlab-ci.yml b/.gitlab-ci.yml new file mode 100644 index 0000000..c5ac426 --- /dev/null +++ b/.gitlab-ci.yml @@ -0,0 +1,11 @@ +pages: + stage: deploy + script: + - mkdir public + - cp index.html public/ + - cp calculations.js public/ + artifacts: + paths: + - public + only: + - main \ No newline at end of file diff --git a/AGENTS.md b/AGENTS.md new file mode 100644 index 0000000..29951d9 --- /dev/null +++ b/AGENTS.md @@ -0,0 +1,20 @@ +# AGENTS.md ā€” secure_student_loan + +## Important: Agents cannot run/view this project +**Testing**: User must open `index.html` in browser. For debugging, add `console.log()` statements and ask user for console output. + +## Commands +- **Run tests**: `node calculations.test.js` (custom assert functions) +- **Single test**: Comment out other tests in file, then run +- **Lint**: None (maintain consistency manually) + +## Code Style +- **No package manager**: CDN-only (Tailwind, Alpine.js v3, ApexCharts) +- **HTML**: 4-space indent, semantic tags, ARIA labels, mobile-first +- **CSS**: Tailwind utilities only; responsive: `md:` `lg:` `xl:` +- **JS**: ES6, Alpine reactivity (`x-data`, `x-model.number`, `x-show`) +- **Imports**: CDN scripts with `defer` before `` +- **Naming**: kebab-case for x-data; camelCase for JS functions +- **Testing**: assert/assertClose functions; test edge cases +- **Structure**: index.html (UI), calculations.js (logic), calculations.test.js +- **Constants**: 7% investment return, 5% loan interest hardcoded diff --git a/README.md b/README.md new file mode 100644 index 0000000..a0c23e4 --- /dev/null +++ b/README.md @@ -0,0 +1,145 @@ +# SECURE Act 2.0 Student Loan Matching Calculator + +A free, interactive web calculator that helps employees and employers understand the financial impact of the SECURE Act 2.0 student loan matching program. This program allows employers to make 401(k) matching contributions based on employee student loan payments. + +## šŸš€ Live Demo + +Visit the calculator at: [https://secure-student-loan.gitlab.io](https://secure-student-loan.gitlab.io) + +## šŸ“‹ Features + +- **Interactive Calculator**: Real-time calculations showing net worth comparison over time +- **Visual Charts**: Dynamic Chart.js visualizations comparing scenarios with and without the program +- **Multiple Personas**: Pre-loaded examples for different professions (teacher, engineer, attorney, etc.) +- **Export Options**: Download results as CSV or print for records +- **Share Functionality**: Share results via Web Share API or clipboard +- **Input Validation**: Comprehensive validation to prevent calculation errors +- **Responsive Design**: Mobile-first design that works on all devices +- **Accessibility**: ARIA labels and semantic HTML for screen reader support + +## šŸ› ļø Technology Stack + +- **HTML5**: Semantic markup for accessibility +- **Tailwind CSS**: Utility-first CSS framework (via CDN) +- **Alpine.js**: Lightweight reactive framework for interactivity +- **Chart.js**: Beautiful, responsive charts +- **GitLab Pages**: Static site hosting with CI/CD + +## šŸ’» Local Development + +### Prerequisites +- Any modern web browser +- Python (optional, for local server) + +### Running Locally + +1. Clone the repository: +```bash +git clone https://gitlab.com/your-username/secure-student-loan.git +cd secure-student-loan +``` + +2. Open directly in browser: +```bash +open index.html # macOS +xdg-open index.html # Linux +start index.html # Windows +``` + +Or use a local server: +```bash +python -m http.server 8000 +# Visit http://localhost:8000 +``` + +## šŸš¢ Deployment + +The site automatically deploys to GitLab Pages when changes are pushed to the `main` branch. + +### Manual Deployment + +1. Push changes to the main branch: +```bash +git add . +git commit -m "Your commit message" +git push origin main +``` + +2. GitLab CI/CD will automatically: + - Copy `index.html` to the `public/` directory + - Deploy to GitLab Pages + +## šŸ“Š How the Calculator Works + +### Key Assumptions +- **Investment Returns**: 7% average annual return (historical S&P 500 average) +- **Loan Interest Rate**: 5% annual rate (federal student loan average) +- **Retirement Age**: 65 years old +- **Compound Growth**: Each year's contribution grows from the time it's contributed until retirement + +### Calculation Formula + +1. **Annual Match Amount**: + ``` + min(Monthly Loan Payment Ɨ 12, Salary Ɨ Match Rate) + ``` + +2. **Future Value with Compound Growth**: + ``` + FV = Ī£(Annual Match Ɨ (1 + 0.07)^(65 - Current Age - Year)) + ``` + +3. **Net Worth Comparison**: + - With Program: Retirement Account Balance - Remaining Loan Balance + - Without Program: -Remaining Loan Balance (until loans paid off) + +## šŸ¤ Contributing + +We welcome contributions! Here's how you can help: + +1. Fork the repository +2. Create a feature branch (`git checkout -b feature/amazing-feature`) +3. Make your changes +4. Test thoroughly in different browsers +5. Commit your changes (`git commit -m 'Add amazing feature'`) +6. Push to your branch (`git push origin feature/amazing-feature`) +7. Open a Merge Request + +### Development Guidelines + +- Maintain 4-space indentation in HTML +- Use Tailwind utility classes for styling +- Keep all functionality in the single `index.html` file +- Test on mobile devices and different screen sizes +- Ensure accessibility with proper ARIA labels +- Validate inputs to prevent calculation errors + +## šŸ“ˆ Future Enhancements + +- [ ] Add inflation adjustment options +- [ ] Include tax implications calculator +- [ ] Add employer cost-benefit analysis +- [ ] Create embeddable widget version +- [ ] Add more detailed amortization schedules +- [ ] Include state-specific student loan programs +- [ ] Add comparison with other retirement strategies + +## šŸ“„ License + +This project is open source and available under the MIT License. + +## šŸ™ Acknowledgments + +- SECURE Act 2.0 legislation for making this benefit possible +- The millions of Americans managing student debt while trying to save for retirement +- Employers implementing this innovative benefit program + +## šŸ“ž Support + +For questions, suggestions, or issues: +- Open an issue in the GitLab repository +- Contact via [your-email@example.com] + +--- + +**Disclaimer**: This calculator provides estimates for educational purposes only. Actual results will vary based on your specific loan terms, employer plan details, investment performance, and contribution consistency. Consult with a financial advisor for personalized advice. \ No newline at end of file diff --git a/calculations.js b/calculations.js new file mode 100644 index 0000000..7ec4438 --- /dev/null +++ b/calculations.js @@ -0,0 +1,204 @@ +/** + * Student Loan Matching Calculator Logic + * Calculates net worth over time with and without SECURE Act 2.0 matching + */ + +const INVESTMENT_RETURN_RATE = 0.07; // 7% annual return +const LOAN_INTEREST_RATE = 0.05; // 5% annual interest (federal student loan average) +const RETIREMENT_AGE = 65; +const MAX_CALCULATION_AGE = 70; // Calculate up to age 70 for complete data + +/** + * Calculate loan payoff time in years + * @param {number} totalDebt - Total loan balance + * @param {number} monthlyPayment - Monthly payment amount + * @returns {number} Years to pay off loan + */ +function calculatePayoffYears(totalDebt, monthlyPayment) { + if (!monthlyPayment || monthlyPayment <= 0) return 0; + + const monthlyRate = LOAN_INTEREST_RATE / 12; + const minPayment = totalDebt * monthlyRate; + + if (monthlyPayment <= minPayment) { + return 50; // Loan will never be paid off at this rate + } + + const months = Math.log(monthlyPayment / (monthlyPayment - totalDebt * monthlyRate)) / Math.log(1 + monthlyRate); + return Math.ceil(months / 12); +} + +/** + * Calculate remaining loan balance after a number of months + * @param {number} originalBalance - Original loan amount + * @param {number} monthlyPayment - Monthly payment + * @param {number} monthsElapsed - Months since start of loan + * @param {number} totalMonths - Total months for loan term + * @returns {number} Remaining balance + */ +function calculateRemainingBalance(originalBalance, monthlyPayment, monthsElapsed, totalMonths) { + if (monthsElapsed <= 0) return originalBalance; + if (monthsElapsed >= totalMonths) return 0; + + const monthlyRate = LOAN_INTEREST_RATE / 12; + const factor = Math.pow(1 + monthlyRate, monthsElapsed); + const paymentsValue = monthlyPayment * ((factor - 1) / monthlyRate); + const remainingBalance = originalBalance * factor - paymentsValue; + + return Math.max(0, remainingBalance); +} + +/** + * Calculate future value of retirement contributions with compound growth + * @param {number} annualContribution - Annual contribution amount + * @param {number} yearsContributing - Number of years contributing + * @param {number} yearsToGrow - Total years for growth (from first contribution to retirement) + * @returns {number} Future value + */ +function calculateRetirementValue(annualContribution, yearsContributing, yearsToGrow) { + let totalValue = 0; + + for (let year = 0; year < yearsContributing; year++) { + const growthYears = yearsToGrow - year; + totalValue += annualContribution * Math.pow(1 + INVESTMENT_RETURN_RATE, growthYears); + } + + return totalValue; +} + +/** + * Main calculation function for net worth comparison + * @param {Object} params - Input parameters + * @returns {Object} Chart data with ages and net worth values + */ +function calculateNetWorthComparison(params) { + const { + salary = 0, + totalDebt = 0, + monthlyPayment = 0, + matchRate = 0, + currentAge = 28 + } = params; + + // Calculate derived values + const payoffYears = calculatePayoffYears(totalDebt, monthlyPayment); + const annualMatch = Math.min(monthlyPayment * 12, salary * (matchRate / 100)); + const payoffAge = currentAge + payoffYears; + + // Arrays for full calculation data (yearly) + const allAges = []; + const allWithProgram = []; + const allWithoutProgram = []; + + // Calculate for each year from current to age 70 + for (let age = currentAge; age <= MAX_CALCULATION_AGE; age++) { + allAges.push(age); + const yearsElapsed = age - currentAge; + const monthsElapsed = yearsElapsed * 12; + + // Calculate remaining loan balance + const totalMonths = payoffYears * 12; + const remainingDebt = calculateRemainingBalance(totalDebt, monthlyPayment, monthsElapsed, totalMonths); + + if (age <= payoffAge) { + // DURING LOAN PAYMENT PERIOD + + // With program: Get employer match while paying loans + const yearsContributing = Math.min(yearsElapsed, payoffYears); + const retirementValue = calculateRetirementValue(annualMatch, yearsContributing, yearsElapsed); + const netWorthWith = retirementValue - remainingDebt; + allWithProgram.push(Math.round(netWorthWith)); + + // Without program: No retirement savings, just debt + const netWorthWithout = -remainingDebt; + allWithoutProgram.push(Math.round(netWorthWithout)); + + } else { + // AFTER LOANS PAID OFF + + const yearsSincePayoff = age - payoffAge; + const postPayoffContribution = Math.min(monthlyPayment * 12, salary * (matchRate / 100)); + + // With program: Initial match during loan period + continued contributions after + const duringLoanValue = calculateRetirementValue(annualMatch, payoffYears, yearsElapsed); + const afterLoanValue = calculateRetirementValue(postPayoffContribution, yearsSincePayoff, yearsSincePayoff); + const totalWithProgram = duringLoanValue + afterLoanValue; + allWithProgram.push(Math.round(totalWithProgram)); + + // Without program: Only start contributing after loans paid off + const totalWithoutProgram = calculateRetirementValue(postPayoffContribution, yearsSincePayoff, yearsSincePayoff); + allWithoutProgram.push(Math.round(totalWithoutProgram)); + } + } + + // Now filter the data for chart display (up to age 65) + // Show consistent points regardless of starting age: every 2 years on even ages + // Plus always include the starting age and retirement age + const ages = []; + const withProgram = []; + const withoutProgram = []; + + for (let i = 0; i < allAges.length; i++) { + const age = allAges[i]; + + // Only include ages up to 65 for chart display + if (age > RETIREMENT_AGE) break; + + // Include if: + // 1. It's the starting age (first point) + // 2. It's the retirement age (last point) + // 3. It's an even age and at least 2 years from start + const isStartAge = (i === 0); + const isRetirementAge = (age === RETIREMENT_AGE); + const isEvenInterval = (age % 2 === 0 && age > currentAge); + + if (isStartAge || isRetirementAge || isEvenInterval) { + ages.push(age); + withProgram.push(allWithProgram[i]); + withoutProgram.push(allWithoutProgram[i]); + } + } + + return { + ages, + withProgram, + withoutProgram, + payoffYears, + annualMatch, + totalRetirementWith: allWithProgram[allWithProgram.length - 1], + totalRetirementWithout: allWithoutProgram[allWithoutProgram.length - 1], + retirementDifference: allWithProgram[allWithProgram.length - 1] - allWithoutProgram[allWithoutProgram.length - 1], + // Include full yearly data if needed + allAges, + allWithProgram, + allWithoutProgram + }; +} + +// Export for use in browser +if (typeof window !== 'undefined') { + window.StudentLoanCalculator = { + calculatePayoffYears, + calculateRemainingBalance, + calculateRetirementValue, + calculateNetWorthComparison, + INVESTMENT_RETURN_RATE, + LOAN_INTEREST_RATE, + RETIREMENT_AGE, + MAX_CALCULATION_AGE + }; +} + +// Export for Node.js testing +if (typeof module !== 'undefined' && module.exports) { + module.exports = { + calculatePayoffYears, + calculateRemainingBalance, + calculateRetirementValue, + calculateNetWorthComparison, + INVESTMENT_RETURN_RATE, + LOAN_INTEREST_RATE, + RETIREMENT_AGE, + MAX_CALCULATION_AGE + }; +} \ No newline at end of file diff --git a/calculations.test.js b/calculations.test.js new file mode 100644 index 0000000..d559b86 --- /dev/null +++ b/calculations.test.js @@ -0,0 +1,201 @@ +/** + * Tests for Student Loan Matching Calculator + * Run with: node calculations.test.js + */ + +const { + calculatePayoffYears, + calculateRemainingBalance, + calculateRetirementValue, + calculateNetWorthComparison +} = require('./calculations.js'); + +// Test utilities +let testsPassed = 0; +let testsFailed = 0; + +function assert(condition, message) { + if (condition) { + console.log(`āœ“ ${message}`); + testsPassed++; + } else { + console.error(`āœ— ${message}`); + testsFailed++; + } +} + +function assertClose(actual, expected, tolerance = 0.01, message = '') { + const diff = Math.abs(actual - expected); + const pass = diff <= tolerance; + if (pass) { + console.log(`āœ“ ${message} (${actual} ā‰ˆ ${expected})`); + testsPassed++; + } else { + console.error(`āœ— ${message} (${actual} != ${expected}, diff: ${diff})`); + testsFailed++; + } +} + +// Test calculatePayoffYears +console.log('\n=== Testing calculatePayoffYears ==='); + +assert( + calculatePayoffYears(30000, 500) === 6, + 'Should calculate ~6 years for $30k debt at $500/month (5% interest)' +); + +assert( + calculatePayoffYears(30000, 0) === 0, + 'Should return 0 for zero payment' +); + +assert( + calculatePayoffYears(30000, 100) === 50, + 'Should return 50 (max) for payment below interest' +); + +// Test calculateRemainingBalance +console.log('\n=== Testing calculateRemainingBalance ==='); + +const balance5Years = calculateRemainingBalance(30000, 500, 60, 84); +assertClose( + calculateRemainingBalance(30000, 500, 60, 6 * 12), + 4498, + 100, + 'After 5 years of $500 payments on $30k, should have ~$4.5k remaining (5% interest)' +); + +assert( + calculateRemainingBalance(30000, 500, 0, 84) === 30000, + 'At month 0, balance should equal original' +); + +assert( + calculateRemainingBalance(30000, 500, 84, 84) === 0, + 'At final month, balance should be 0' +); + +assert( + calculateRemainingBalance(30000, 500, 100, 84) === 0, + 'After loan term, balance should be 0' +); + +// Test calculateRetirementValue +console.log('\n=== Testing calculateRetirementValue ==='); + +const value10Years = calculateRetirementValue(5000, 10, 10); +assertClose( + value10Years, + 73918, + 100, + '$5k/year for 10 years at 7% should grow to ~$74k' +); + +const value30Years = calculateRetirementValue(5000, 10, 30); +assertClose( + value30Years, + 286039, + 100, + '$5k/year for 10 years, growing for 30 total years should be ~$286k' +); + +// Test full calculation scenario +console.log('\n=== Testing Full Scenario ==='); + +const scenario1 = calculateNetWorthComparison({ + salary: 60000, + totalDebt: 30000, + monthlyPayment: 500, + matchRate: 5, + currentAge: 25 +}); + +console.log('\nScenario 1 Results:'); +console.log(` Payoff years: ${scenario1.payoffYears}`); +console.log(` Annual match: $${scenario1.annualMatch}`); +console.log(` Retirement with program: $${scenario1.totalRetirementWith.toLocaleString()}`); +console.log(` Retirement without program: $${scenario1.totalRetirementWithout.toLocaleString()}`); +console.log(` Difference: $${scenario1.retirementDifference.toLocaleString()}`); + +assert( + scenario1.payoffYears === 6, + 'Should take 6 years to pay off $30k at $500/month (5% interest)' +); + +assert( + scenario1.annualMatch === 3000, + 'Annual match should be $3000 (5% of $60k salary)' +); + +assert( + scenario1.retirementDifference > 0, + 'With program should result in more retirement savings' +); + +// Test edge case: very high payment +const scenario2 = calculateNetWorthComparison({ + salary: 100000, + totalDebt: 20000, + monthlyPayment: 2000, + matchRate: 4, + currentAge: 30 +}); + +console.log('\nScenario 2 Results (High Payment):'); +console.log(` Payoff years: ${scenario2.payoffYears}`); +console.log(` Annual match: $${scenario2.annualMatch}`); + +assert( + scenario2.payoffYears <= 2, + 'High payment should result in quick payoff' +); + +assert( + scenario2.annualMatch === 4000, + 'Annual match should be capped at 4% of salary' +); + +// Test the growth rates after payoff +console.log('\n=== Testing Growth Rates After Payoff ==='); + +const scenario3 = calculateNetWorthComparison({ + salary: 70000, + totalDebt: 40000, + monthlyPayment: 600, + matchRate: 5, + currentAge: 28 +}); + +// Find the index right after payoff +const payoffIndex = Math.ceil((scenario3.payoffYears / 2)); +if (payoffIndex < scenario3.withProgram.length - 1) { + const withGrowth = scenario3.withProgram[payoffIndex + 1] - scenario3.withProgram[payoffIndex]; + const withoutGrowth = scenario3.withoutProgram[payoffIndex + 1] - scenario3.withoutProgram[payoffIndex]; + + console.log(`\nGrowth rate comparison after payoff:`); + console.log(` With program growth: $${withGrowth}`); + console.log(` Without program growth: $${withoutGrowth}`); + + // After payoff, both should be contributing the same amount, so growth should be similar + // The "with" program will have a larger base, but the rate of change should be close + const growthRatio = withoutGrowth > 0 ? withGrowth / withoutGrowth : 0; + assertClose( + growthRatio, + 1.5, + 1.0, + 'Growth rates after payoff should be relatively similar' + ); +} + +// Summary +console.log('\n=== Test Summary ==='); +console.log(`Tests passed: ${testsPassed}`); +console.log(`Tests failed: ${testsFailed}`); + +if (testsFailed === 0) { + console.log('\nāœ… All tests passed!'); + process.exit(0); +} else { + console.log('\nāŒ Some tests failed'); + process.exit(1); +} \ No newline at end of file diff --git a/index.html b/index.html new file mode 100644 index 0000000..c2dc0b5 --- /dev/null +++ b/index.html @@ -0,0 +1,1157 @@ + + + + + + SECURE Act 2.0: Student Loan Matching Program Calculator + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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+
+

+ SECURE Act 2.0 +

+

+ Student Loan Matching Program +

+

+ A game-changing benefit that helps employees build retirement savings + while paying off student loans +

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$1.75T
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Total U.S. Student Debt
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45M
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Americans with Student Loans
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$37K
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Average Debt per Borrower
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+ What is the Student Loan Matching Program? +

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For Employees

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+ Make student loan payments and receive employer 401(k) matching contributions + as if you contributed directly to your retirement account. No need to choose + between paying off debt and saving for retirement. +

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For Employers

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+ Offer a competitive benefit that helps younger employees build retirement + savings while managing student debt. Improve retention and attract top talent + without increasing costs. +

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+ Real-World Impact Examples +

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+ šŸ‘©ā€šŸŽ“ +
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Recent Graduate

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Salary: $50,000

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Total Student Debt: $35,000

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Monthly Payment: $400

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Loan Term: 11 years

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Employer Match: 4%

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$275,117

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Retirement value at age 65

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$22,000 in matching over 11 years

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+ šŸ‘Øā€šŸ’¼ +
+

MBA Graduate

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Salary: $85,000

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Total Student Debt: $65,000

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Monthly Payment: $650

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Loan Term: 14 years

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Employer Match: 5%

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$424,608

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Retirement value at age 65

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$59,500 in matching over 14 years

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+ šŸ‘©ā€āš•ļø +
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Medical Professional

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Salary: $120,000

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Total Student Debt: $200,000

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Monthly Payment: $1,800

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Loan Term: 17 years

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Employer Match: 6%

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$285,000

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Retirement value at age 65

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$122,400 in matching over 17 years

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+ šŸ‘©ā€šŸ« +
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Public School Teacher

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Salary: $45,000

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Total Student Debt: $42,000

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Monthly Payment: $350

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Loan Term: 21 years

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Employer Match: 3%

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$58,000

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Retirement value at age 65

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$28,350 in matching over 21 years

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+ šŸ‘Øā€šŸ’» +
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Software Engineer

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Salary: $95,000

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Total Student Debt: $28,000

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Monthly Payment: $500

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Loan Term: 6 years

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Employer Match: 6%

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$112,000

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Retirement value at age 65

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$34,200 in matching over 6 years

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+ + +
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+ āš–ļø +
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Attorney

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Salary: $75,000

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Total Student Debt: $150,000

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Monthly Payment: $1,200

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Loan Term: 23 years

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Employer Match: 4%

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+
+

$95,000

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Retirement value at age 65

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$69,000 in matching over 23 years

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+ + +
+

Click any example to load it into the calculator below

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+ Calculate Your Personal Impact +

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Your Information

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Net Worth Comparison

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Loan Payoff

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Total Matching

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Value at 65

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Calculator Inputs

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Annual Salary:
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Total Debt:
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Monthly Payment:
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Match Rate:
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Current Age:
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Generated from SECURE Act 2.0 Calculator - https://401k.ansonbiggs.com

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How the Calculation Works

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  • + ā€¢ + Employer Matching: Your employer matches your student loan payments as 401(k) contributions, up to the specified match rate (% of salary) +
    • +
  • + ā€¢ + Annual Match Amount: Minimum of (your annual loan payments, match cap based on salary percentage) +
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  • + ā€¢ + Compound Growth: Each year's contribution grows at 7% annually from the time it's contributed until retirement +
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  • + ā€¢ + Net Worth: Calculated as retirement account balance minus remaining student loan debt +
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Key Assumptions

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  • + ā€¢ + Investment Returns: 7% average annual return (historical S&P 500 average) +
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  • + ā€¢ + Loan Interest Rate: 5% annual rate (federal student loan average) +
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  • + ā€¢ + Retirement Age: 65 years old +
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  • + ā€¢ + Without Program: After loan payoff, you contribute the same amount to 401(k) that was going to loans (up to match cap) +
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+ Note: This calculator provides estimates for educational purposes. Actual results will vary based on your specific loan terms, employer plan details, investment performance, and contribution consistency. Consult with a financial advisor for personalized advice. +

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+ Why Employers Should Offer This Program +

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šŸŽÆ
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Attract Talent

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Stand out to younger professionals with student debt

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šŸ’°
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No Extra Cost

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Use existing 401(k) match budget more effectively

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šŸ“ˆ
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Improve Retention

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Employees value benefits that address real financial challenges

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āš–ļø
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Promote Equity

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Help all employees access retirement benefits equally

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Ready to Make an Impact?

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+ The SECURE Act 2.0 student loan matching program can transform your employees' + financial futures. The time to act is now. +

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+ + + + \ No newline at end of file