Givebutter offers all full-time employees access to a 401(k) account through our partner, Human Interest. Planning for retirement can feel overwhelming, so we've broken it down with helpful FAQs and resources to make it easy, approachable, and actionable. Starting April 2025, Givebutter offers a 3% employer match on your 401(k) contributions. That means for every dollar you contribute (up to 3% of your salary), we’ll match it — that’s free money toward your future. 🎉
A 401(k) is an employer-sponsored savings and investing plan. It helps you save for retirement using pre-tax income, which also lowers your taxable income today.
Read: Nerdwallet – What is a 401(k)?
Time is your best friend when it comes to investing. Thanks to compound growth, the earlier you start, the more your money can grow over time.
Example: Starting at 25 vs. 35 can mean hundreds of thousands more by retirement, even if you're contributing the same amount.
Both are retirement accounts, but the key difference is that a 401(k) is offered through your employer, and often includes benefits like matching.
Experts recommend saving 10–15% of your annual income. But any amount is a great start!
💡 In 2025, you can contribute up to $23,000 (check IRS limits).
How much should I contribute to a 401(k)?