Some employers offer tiered matching. E.g., 100% match on first 3%, then 50% on next 2%.

Vesting determines how much of employer contributions you own. Employee contributions are always 100% vested.

Calculate the cost of early 401k withdrawal before age 59½. Includes taxes and 10% penalty.

Compare Traditional 401k (pre-tax) vs Roth 401k (after-tax). Uses your tax settings from above.