What if you always maxed out your 401k?
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Years worked
Accumulated value
Year
max contribution
total invested
3
1$19,5062016$18,000$18,0000
4
2$39,9192015$18,000$36,00012
5
3$61,2972014$17,500$53,50024
6
4$86,9962013$17,500$71,00036
7
5$117,2712012$17,000$88,00048
8
6$149,7802011$16,500$104,50060
9
7$187,3342010$16,500$121,00072
10
8$233,6522009$16,500$137,50084
11
9$268,7882008$15,000$152,50096
12
10$297,5642007$15,500$168,000108
13
11$329,3602006$15,000$183,000120
14
12$362,2882005$14,000$197,000132
15
13$395,4062004$13,000$210,000144
16
14$432,0592003$12,000$222,000156
17
15$465,6212002$11,000$233,000168
18
16$492,5252001$10,500$243,500180
19
17$515,1802000$10,500$254,000192
20
18$538,5031999$10,000$264,000204
21
19$567,5121998$10,000$274,000216
22
20$602,3591997$9,500$283,500228
23
21$648,2661996$9,500$293,000240
24
22$704,8551995$9,240$302,240252
25
23$773,3531994$9,240$311,480264
26
24$842,9081993$8,994$320,474276
27
25$918,2571992$8,728$329,202288
28
26$1,000,7961991$8,475$337,677300
29
27$1,092,8571990$7,979$345,656312
30
28$1,185,8281989$7,627$353,283324
31
29$1,294,9641988$7,313$360,596348
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VFINX data from Yahoo Finance. The current price is 209.46 on 12/17/2016
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today price209.46
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DateOpenHighLowCloseVolumeAdj Close401k Max contribution
VFINX shares that month
VFINX accumulated shares
value
36
12/1/2016203.100006210.7203.100006209.460209.46$1,500$18,0007.167.161500
37
11/1/2016195.210007205.04192.860001203.810203.81$1,500$18,0007.3614.523041.583
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10/3/2016199.580002199.92196.520004196.540196.54$1,500$18,0007.6322.154640.189
39
9/1/2016201.039993202.52196.179993200.210200.21$1,500$18,0007.4929.656209.491
40
8/1/2016200.529999202.59199.259995201.050200.181$1,500$18,0007.4937.147779.02
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7/1/2016194.080002200.89192.759995200.790199.9221$1,500$18,0007.544.649350.582
42
6/1/2016194.350006196.25184.529999193.670192.8329$1,500$18,0007.7852.4210979.92
43
5/2/2016192.190002194.28188.720001194.10192.3468$1,500$18,0007.860.2212613.38
44
4/1/2016191.190002194.1188.449997190.70188.9775$1,500$18,0007.9468.1614275.95
45
3/1/2016183.110001190.37183.110001189.990188.2739$1,500$18,0007.9776.1215944.75
46
2/1/2016179.029999180.61169.089996178.840176.323$1,500$18,0008.5184.6317726.65
47
1/4/2016185.639999186.01171.610001179.10176.5794$1,500$18,0008.4993.1219505.96
48
12/1/2015194.679993194.68184.839996188.480185.8274$1,500$18,0008.07101.221196.72
49
11/2/2015194.330002194.87187.089996192.610188.8537$1,500$18,0007.94109.1422860.39
50
10/1/2015177.5193.05177.5192.060188.3144$1,500$18,0007.97117.1124528.82
51
9/1/2015177.190002184.9173.589996177.140173.6854$1,500$18,0008.64125.7426337.78
52
8/3/2015193.779999194.49172.830002182.580178.1352$1,500$18,0008.42134.1628101.56
53
7/1/2015191.729996196.5188.949997194.320189.5894$1,500$18,0007.91142.0729758.77
54
6/1/2015195.389999196.47189.839996190.360185.7258$1,500$18,0008.08150.1531450.46
55
5/1/2015194.619995197.07192.110001194.970189.3909$1,500$18,0007.92158.0733109.41
56
4/1/2015189.979996195.45189.979996192.520187.011$1,500$18,0008.02166.0934789.47
57
3/2/2015195.929993195.93188.919998190.710185.2528$1,500$18,0008.1174.1936485.48
58
2/2/2015186.559998195.68186.559998194.730188.2448$1,500$18,0007.97182.1638154.53
59
1/2/2015189.850006190.43183.899994184.170178.0365$1,500$18,0008.43190.5839919.28
60
12/1/2014190.100006192.79182.789993189.890183.566$1,458$17,5007.94198.5341583.33
61
11/3/2014186.380005191.88185.850006191.40184.0327$1,458$17,5007.92206.4543243.15
62
10/1/2014179.589996186.4171.979996186.40179.2251$1,458$17,5008.14214.5944947.5
63
9/2/2014185.330002186.35181.350006181.990174.9849$1,458$17,5008.33222.9246693.15
64
8/1/2014177.809998185.43176.479996185.430177.5022$1,458$17,5008.22231.1448414.05
65
7/1/2014182.070007183.56178.320007178.320170.6962$1,458$17,5008.54239.6850203.56
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6/2/2014178.089996181.46178.029999180.830173.0989$1,458$17,5008.42248.1151968.23
67
5/1/2014173.869995177.94172.410004177.940169.6172$1,458$17,5008.6256.753769.12
68
4/1/2014173.860001174.38167.539993173.880165.7471$1,458$17,5008.8265.555612.07
69
3/3/2014170.690002173.75170.419998172.630164.5555$1,458$17,5008.86274.3657468.35
70
2/3/2014160.690002171.95160.690002171.950163.213$1,458$17,5008.94283.359339.91
71
1/2/2014168.880005170.46163.669998164.450156.0941$1,458$17,5009.34292.6461296.82
72
12/2/2013166.589996170.36164.360001170.360161.7038$1,458$17,5009.02301.6663185.85
73
11/1/2013162.589996167.17161.399994167.040157.7342$1,458$17,5009.25310.9165122.41
74
10/1/2013156.270004163.52152.699997162.130153.0978$1,458$17,5009.53320.4367117.63
75
9/3/2013151.679993159.74151.679993155.020146.3839$1,458$17,5009.96330.3969204.35
76
8/1/2013157.529999157.79150.75151.040141.9575$1,458$17,50010.27340.6771356.14
77
7/1/2013148.869995156.43148.820007155.570146.2151$1,458$17,5009.97350.6473445.27
78
6/3/2013151.710007152.89144.940002148.060139.1567$1,458$17,50010.48361.1275640.36
79
5/1/2013146.009995154.26146.009995150.80141.06$1,458$17,50010.34371.4677805.84
80
4/1/2013143.970001147.37142.179993147.370137.8516$1,458$17,50010.58382.0480021.72
81
3/1/2013140.350006144.65140.350006144.610135.2698$1,458$17,50010.78392.8282279.89
82
2/1/2013139.559998141.41137.490005140.020130.3997$1,458$17,50011.1840484622.4
83
1/2/2013134.740005139.02134.300003138.170128.6768$1,458$17,50011.33415.3486996.28
84
12/3/2012130.479996134.1129.190002131.370122.344$1,417$17,00011.58426.9289421.7
85
11/1/2012131.789993131.88125.160004131.090121.2577$1,417$17,00011.68438.691868.84
86
10/1/2012133.179993134.83130.029999130.360120.5825$1,417$17,00011.75450.3594329.69
87
9/4/2012129.970001135.72129.869995132.830122.8672$1,417$17,00011.53461.8896744.77
88
8/1/2012126.919998131.11125.980003130.120119.7811$1,417$17,00011.83473.799222.08
89
7/2/2012125.860001127.88123.110001127.270117.1575$1,417$17,00012.09485.8101754.9
90
6/1/2012118.209999125.7118.209999125.550115.5742$1,417$17,00012.26498.05104322.4
91
5/1/2012129.679993129.68119.699997121.190111.0088$1,417$17,00012.76510.82106995.4
92
4/2/2012130.759995130.76125.269997128.950118.1169$1,417$17,00011.99522.81109507.6
93
3/1/2012126.970001130.48124.139999129.780118.8772$1,417$17,00011.92534.73112003.8
94
2/1/2012122.07126.76122.07126.180115.0988$1,417$17,00012.31547.03114581.9
95
1/3/2012117.589996122.21117.589996120.970110.3463$1,417$17,00012.84559.87117271
96
12/1/2011115.07116.63111.529999115.80105.6303$1,375$16,50013.02572.89119997.6
97
11/1/2011112.330002117.75107.059998115.280104.5612$1,375$16,50013.15586.04122752
98
10/3/2011101.220001118.48101.220001115.550104.8061$1,375$16,50013.12599.16125500
99
9/1/2011111.339996112.52103.970001104.18094.49332$1,375$16,50014.55613.71128547.9
100
8/1/2011118.660004118.66103.279999112.670101.6695$1,375$16,50013.52627.24131380.7
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