Read the balance and income estimates separately
With $100,000 saved, $6,000 of annual employee contributions and $3,000 from the employer, ten years at zero return and zero contribution growth would produce $190,000 before fees or withdrawals. The employer amount is a scenario assumption, not a promise that your plan provides that match.
At a 4% starting withdrawal rate, a $190,000 balance translates to $7,600 a year, or about $633 a month before any withdrawal tax. That shortcut is not a guaranteed income stream and does not show how the account might be drawn down each year.
Enter employer contributions directly or use the match formula, but do not add the same match twice. The stop-early option ends future contributions from the selected age; it does not model restarting them later.
Contribution-limit warnings use dated rules and do not determine eligibility, deductibility, vesting or every plan restriction. Use your actual plan documents and a verified withdrawal-tax estimate. Selecting a tax-free planning mode does not establish that a future distribution will qualify.
