Product Preview · Demo data only · Not a live product
Request early access →Your 401k Returns
Understand your retirement return by separating employee contributions, employer match, investment growth, vesting, and fees.
Sample metrics
Illustrative portfolio snapshot — not connected to real accounts, exchanges, or plan providers.
Current Balance
$100,810
All sources combined
Employee Contributions
$42,500
Payroll deferrals
Employer Match
$21,250
50% match, vested
Investment Growth
$38,900
Fund performance
Estimated Fees
$1,840
Plan + fund expenses
True Lifetime Return
9.6%
Net of fees
Demo dashboard
Portfolio breakdown preview
A sample view of how Your 401k Returns could present holdings and return components. All figures are fictional.
Sample portfolio
Employer plan · 8 years contributing
Swipe horizontally to see all columns →
| Component | Amount | % of Balance | Notes |
|---|---|---|---|
| Employee contributions | $42,500 | 42.2% | Payroll deferrals since 2018 |
| Employer match | $21,250 | 21.1% | 50% match, fully vested |
| Market growth | $38,900 | 38.6% | Fund performance on invested dollars |
| Fees | −$1,840 | −1.8% | Plan admin + fund expenses |
| Vested balance | $100,810 | 100% | Current accessible balance |
| Total balance | $100,810 | 100% | Demo snapshot |
Demo data only. Not linked to wallets, brokerages, payroll, or plan providers.
What it would track
Core metrics the product is being designed to surface in one place.
Employee contributions
Paycheck deferrals over your career — the baseline for measuring how hard your own savings worked.
Employer match
Company match dollars tracked separately so free money is visible, not hidden inside a single balance.
Investment growth
Market gains on invested dollars, distinct from what you and your employer contributed.
Vesting & fees
Vested balance and estimated fee drag so lifetime return reflects what you can actually keep.
Why it matters
Most plan portals show a balance and a few fund charts. They rarely explain how much came from you, how much came from your employer, and how much came from the market.
Without that separation, it is hard to know whether your retirement account is growing because you saved well, because your match was strong, or because markets carried the account.
Your 401k Returns is an early concept designed to make lifetime retirement performance easier to read — without spreadsheets or guesswork.
Employee contributions + employer match + investment growth − fees = a clearer picture of your lifetime true return.
Early concept under True Returns
Your 401k Returns is an early concept being explored under the True Returns brand. The dashboard above uses fictional sample data to illustrate direction — it is not connected to plan providers, payroll systems, or live accounts.
Interested in early access?
Your 401k Returns is not live yet. Reach out for updates as this product moves toward launch — or explore Cashbacking and Your Rental Returns today.