The simplest answer, based on what you have given, is most likely the lowest you will have by the time you retire. Even then, there are several questions/assumptions that need clarified. You have said that 6% is what you put into your 401(k) Plan, but you have not said what the actual Match will be (50% of your contribution? 100%? Up to what limit? 3%? 6%?).

I could tell you that about $75 per bi-weekly paycheck would go into your 401(k), but which option are you choosing: a money-market (most conservative) that is meant only to preserve your principal and roughly keep pace with inflation; or a total stock fund (most aggressive) that is meant to net you the greatest return over the long period and a few sleepless nights when your paper losses become excessive?

Finally, what is your investment horizon - how many years do you have until retirement? If 30 years, you can likely afford a more aggressive portfolio (earning greater returns over 3 decades). Then we could assume your 401(k) will grow by at least 8% on average (a conservative number, perhaps?!).

When are ready to work on your Financial Plan again, let me know. Otherwise, I would suggest finding an objective Fee-Only Financial Advisor to run the numbers, offer customized advice, and help you to continue doing what you want to do in this life.

With the limited information that you have provided I will make the following assumptions. I will assume the employer match will be 6% of your income and that you will earn an 8% return. If you have 10 years till retirement the outcome under these assumptions will be $58.680. 20 years till retirement and the result will be $205,548. 30 years till retirement will result in $549,748.