401(k) calculator

Cómo usar la 401(k) calculator

Qué calcula y cuándo usarla

Projects a US 401(k) Saldo with employer match, Paga rises y investment growth, y checks your contributions against the 2026 limits.

Cómo usarla, paso a paso

1. Enter your salary, Edad, Jubilación Edad y Corriente Saldo.
2. Enter your contribution Porcentaje y your employer’s match.
3. Enter expected salary grow.ª, investment return y inflation.

Qué significa cada dato

• Employer Coincidencias – The percentage de your contribution your employer adds, por Ejemplo 50%.
• Match applies up Hasta – The salary Porcentaje on which the match es Pagadas.

Cómo leer los resultados

• Saldo A Jubilación – Projected total.
• Desglose – Starting Saldo, your contributions, employer match y grow.ª.
• Income A 4% – A rough Anual withdrawal.

La fórmula

Cada uno Año: Saldo = Saldo × (1 + return) + (your contribution + employer match) × (1 + return ÷ 2). Match = min(your contribution, salary × match cap) × match %. Salary rises Cada uno Año by the growth Tipo.

Un ejemplo práctico

A 75,000 salary, age 35, retiring at 65, 8% contribution, 50% match up a 6%, 3% raises y 6.5% return, with 30,000 saved. The balance reaches about 1,217,467, o 580,419 en today’s money.

Supuestos y límites

• Contributions are made evenly through the Año.
• Limits por 2026: 24,500 employee deferral, 8,000 catch-up at 50+, 11,250 por ages 60 a 63.
• Ro.ª y traditional tax treatment es not modelled.

Errores comunes

• Not contributing enough a Llévate the full match.
• Forgetting that traditional 401(k) withdrawals are taxed.

Preguntas frecuentes

Dated rules: US federal figures por tax year 2026 (IRS Rev. Proc. 2025-32 y IRS notices). These calculators are estimates por planning, not tax advice.

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