THE HOME DEPOT FUTUREBUILDER Contribution & Employer Match
How THE HOME DEPOT, INC. Supports Your Retirement Savings
THE HOME DEPOT, INC. provides retirement savings benefits through THE HOME DEPOT FUTUREBUILDER. Understanding your employer’s contribution structure is essential — it directly affects how quickly your retirement nest egg grows. Below you will find the plan’s average account values and contribution patterns based on publicly filed data.
THE HOME DEPOT FUTUREBUILDER Average Participant Retirement Account Value
THE HOME DEPOT FUTUREBUILDER Estimated Average Employee Contribution Amount
102,866.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,607.00 in THE HOME DEPOT FUTUREBUILDER, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in THE HOME DEPOT FUTUREBUILDER
An employer match is one of the most valuable benefits in any 401(k) plan — it is essentially free money added to your retirement savings. Your employer contributes additional funds based on a percentage of your own contributions. Missing out on the full match is one of the most common and costly retirement mistakes employees make.
THE HOME DEPOT FUTUREBUILDER Total Employer Contribution and Match Rate
THE HOME DEPOT FUTUREBUILDER Estimated Average Employer Match
Investing in this additonal $605.00 for 20 years would give you extra $38,752.00, assuming a 10% annual return.
* Data are from public filings.
Are You Leaving Dollars on the Table?
If you are not contributing enough to capture the maximum employer match, you are literally turning down part of your compensation. For many plans, this can mean thousands of dollars per year in lost employer contributions — money that would compound over decades.
Use the policy details and calculator below to find out exactly how much you need to contribute to capture every dollar of employer matching.
THE HOME DEPOT FUTUREBUILDER Contribution & Match Policy
1. Employee Contribution Rates: Employees can contribute up to 50% of their annual compensation to the plan.
2. Employer Match/Contribution Conditions: The Company matches 150% of the first 1% of eligible compensation contributed by a participant and 50% of the next 2% to 5% of eligible compensation contributed by a participant, starting from the first day of the calendar quarter after the completion of one year of service and 1,000 hours or after two years of service, regardless of hours worked.
3. Vesting Schedule/Eligibility: Participants are immediately vested in their contributions. For the Company’s matching contributions, participants are cliff vested 100% after three years of service. A participant also becomes 100% vested in the Company’s matching contributions upon completing five years of employment, or upon death, attaining age 65 while still employed, or total/permanent disability.
4. Yes, it allows Roth 401(k) contributions.
THE HOME DEPOT FUTUREBUILDER Maximum Match Calculator
This calculator helps to decide what's the minimum contribution you have to maximize your employer match.
2025 IRS 401(k) Contribution Limits
The IRS sets annual limits on how much you and your employer can contribute to a 401(k) plan. Knowing these limits helps you maximize tax-advantaged savings. Here are the current limits:
| 2024 | 2025 | |
|---|---|---|
| Employee elective deferrals (pretax + Roth) | $23,000 | $23,500 |
| Employee + employer contributions combined | $69,000 | $70,000 |
| Catch-up contributions (age 50+) | $7,500 | $7,500 |
| Enhanced catch-up (ages 60–63, SECURE 2.0) | N/A | $11,250 |
The power of maxing out: If you contribute the full $23,500 annually for 20 years at a 10% average annual return, you would accumulate approximately $1,505,256. If you can maximize the combined employee+employer limit of $70,000 per year, that grows to roughly $4,480,385 over the same period — more than triple.
Use the 401(k) Savings Calculator to model your specific contribution scenario and see how your savings can grow over time.
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