Home Depot’s FutureBuilder portal puts retirement planning in one place

For Home Depot associates, retirement planning does not have to sit in a separate, hard-to-find corner of the benefits system. FutureBuilder is the plan name to remember, and myTHDHR is the portal that puts it in reach, along with the Employee Stock Purchase Plan and the Stock Option Plan. The practical value is simple: associates can go to one place to enroll, check statements, review balances, and pull up retirement-planning information without treating those tasks like a once-a-year chore.

That matters on a workforce as large and spread out as Home Depot’s. The company says it was founded in 1978, operates more than 2,300 stores in the United States, Canada and Mexico, and is the world’s largest home-improvement specialty retailer based on fiscal 2025 net sales of $164.7 billion and earnings of $14.2 billion. A retirement system built around a single portal makes more sense when the workforce includes store associates, department leads, distribution center workers and office staff who need the same basic access regardless of where they clock in.

What myTHDHR actually lets you do

The financial benefits page is not just a login door. Home Depot says associates can use it to view and manage FutureBuilder, the Employee Stock Purchase Plan and the Stock Option Plan, with links for enrollment, statements, balances and retirement-planning information. That puts retirement maintenance into the same routine as checking other work-related information, which is exactly how a benefit becomes usable instead of theoretical.

Home Depot’s own guidance also says associates should keep personal information current in Self Service so the company can communicate about taxes, benefits and related notices. That is a small instruction with real consequences: if your address or other details are stale, you can miss account notices, tax forms or benefit updates that shape how the plan works for you. The company’s message is blunt for a reason, because a retirement account is only as manageable as the information attached to it.

Who can use the benefits system

Home Depot says benefit plans are available to part-time hourly, full-time hourly and salaried associates, with eligible dependents covered under most plans. That makes the retirement conversation broader than a narrow corporate perk for a small slice of headquarters staff. The structure is meant to reach the floor, the lot, the backroom and the office, which is why managers should treat enrollment and account review as part of the associate experience rather than an obscure HR topic.

The company also groups compensation and benefits under “Your Total Value,” its framing for the wider package associates can choose from. In that same broader benefits story, Home Depot says its careers site includes health and wellness benefits, legal help, bonuses and tuition reimbursement. FutureBuilder sits inside that package, not outside it, which is important for associates deciding what part of their total compensation deserves attention first.

How the retirement pieces fit together

Home Depot’s benefits-education site says associates can tap FutureBuilder Retirement Savings, the Employee Stock Purchase Plan and investment-advice resources through its financial benefit partners. It also points associates to bswift and Live the Orange Life for benefit access. That combination tells workers where the system lives: one platform for account management, another layer for education and advice, and a companywide benefits structure that ties the pieces together.

The company’s filings give the plan more definition. In SEC documents, FutureBuilder is described as a 401(k) and employee stock ownership plan qualified under Internal Revenue Code sections 401(a) and 4975(e)(7). In plain terms, this is not a casual savings perk. It is a formal retirement arrangement with tax rules, contribution rules and company-stock elements that make regular review worthwhile for anyone who is enrolled.

What the filings show about how the plan has worked

The historical filings show that FutureBuilder has long been designed to let employees build savings directly from payroll. Older SEC filings say participants could contribute up to 50% of annual compensation, and workers age 50 or older could make catch-up contributions. A 2011 filing added another layer: after-tax Roth contributions were allowed in the plan. For associates, that history matters because it shows the plan was built to support different saving styles and different stages of a career, not just one standard setup.

The stock side of the plan has also been part of its design for years. A 2004 filing said Home Depot common stock in the plan represented company matching and ESOP contributions allocated to participant accounts. That detail matters because it connects the retirement plan to the company itself. Associates are not just holding a generic investment account; they are participating in a retirement structure that has historically included Home Depot stock as part of the company contribution system.

Why the 2025 filing still matters now

The 2025 SEC filing shows FutureBuilder is still an active, large-scale retirement program, with audited financial statements filed for December 31, 2025 and 2024. The filing also says the plan’s interest in the master trust was approximately 96%, with The Home Depot FutureBuilder for Puerto Rico and the HD Supply 401(k) Retirement Plans holding the remaining interest. That is a useful reminder that the retirement system is not static or symbolic. It is an ongoing program with current reporting, multiple related plans and a continuing financial footprint.

For associates, that scale should change how the portal is used. A plan this large is not something to check once and ignore. It is a working part of pay and long-term compensation, and it deserves the same kind of periodic attention that managers give to schedules, sales goals and staffing gaps during seasonal rushes. If you are in a store trying to make sense of your total pay, FutureBuilder is part of that answer.

The most practical way to use it

The cleanest routine is also the simplest:

That is the real value of putting retirement in one place. Home Depot has built a system that lets associates see FutureBuilder not as a distant promise, but as part of the everyday benefits package tied to the job.