Na'urar lissafin 401(k)
Hasashen 401(k) na Amurka tare da gudummawar mai ɗaukar aiki, ƙarin albashi da iyakokin gudummawa na 2026.
Game da Na'urar lissafin 401(k)
Hasashen 401(k) na Amurka tare da gudummawar mai ɗaukar aiki, ƙarin albashi da iyakokin gudummawa na 2026.
Ɓangare ne na sashen “Ritaya” na SmartCalcy. Yana aiki a burauzar ku ba tare da asusu ba, yana amfani da kuɗinku da ma'aunanku (canza su a saman shafin), kuma yana ba da ƙiyasi don bayani kawai, don haka duba jagorar hukuma kafin ku dogara da sakamako.
Yadda ake amfani da Na'urar lissafin 401(k)
Abin da yake lissafawa da lokacin amfani da shi
Yana hasashen adadin 401(k) na Amurka tare da gudummawar mai aiki (employer match), ƙarin albashi da haɓakar jari, kuma yana duba gudummawarku da iyakokin 2026.
Yadda ake amfani da shi, mataki-mataki
- Shigar da albashinku, shekarunku, shekarun ritaya da adadin da ke cikin asusun yanzu.
- Shigar da kashin gudummawarku da gudummawar daidaitawa ta mai ɗaukar ku aiki.
- Shigar da haɓakar albashi da ake tsammani, ribar jari da hauhawar farashi.
Ma'anar kowace shigarwa
- Employer Daidai – The percentage of your contribution your employer adds, for example 50%.
- Match applies up to – The salary percentage on which the match is paid.
Yadda ake karanta sakamako
- Saura at Ritaya – Projected Jimilla.
- Rarrabuwa – Starting Saura, your contributions, employer match da ta grow.
- Income at 4% – A rough Kowace shekara withdrawal.
Dabarar lissafi
Each year: balance = balance × (1 + return) + (your contribution + employer match) × (1 + return ÷ 2). Match = min(your contribution, salary × match cap) × match %. Salary rises each year by the growth rate.
Misali da aka warware
A 75,000 salary, age 35, retiring at 65, 8% contribution, 50% match up to 6%, 3% raises and 6.5% return, with 30,000 saved. The balance reaches about 1,217,467, or 580,419 in today’s money.
Zato da iyakoki
- Contributions are made evenly through the year.
- Limits for 2026: 24,500 employee deferral, 8,000 catch-up at 50+, 11,250 for ages 60 to 63.
- ta Ro da traditional tax treatment shi ne not modelled.
Kurakuran da aka saba yi
- Not contributing enough zuwa Sami the cika match.
- Forgetting that traditional 401(k) withdrawals are taxed.
Tambayoyin da ake yawan yi
Mene ne catch-up contribution?
Ƙarin gudummawa da aka yarda daga shekara 50. Shekaru 60 zuwa 63 suna da iyaka mafi girma ƙarƙashin SECURE 2.0.
Shin an kai iyakokin?
Idan gudummawarku ta wuce iyaka, na'urar lissafin tana takaita ta kuma tana sanar da ku.
Dated rules: US federal figures for tax year 2026 (IRS Rev. Proc. 2025-32 and IRS notices). These calculators are estimates for planning, not tax advice.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Your first-year contribution
- £6,000.00
- Employer match, na farko shekara
- £2,250.00
- Income at 4% a shekara
- £48,699a na yau da kullum starting withdrawal kashi
- Income at 4%, today’s money
- £23,217