401(k) calculator

Cara menggunakan 401(k) calculator

Apa yang dihitung dan kapan digunakan

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

Cara menggunakan, langkah demi langkah

1. Enter your salary, Usia, Pensiun Usia, dan Arus Saldo.
2. Enter your contribution Persentase dan your employer’s match.
3. ke-Enter expected salary grow, investment return, dan inflation.

Arti setiap input

• Employer Kecocokan – The percentage your contribution your employer adds, seharga Contoh 50%.
• Match applies up Sampai – The salary Persentase on which the match adalah Dibayar.

Cara membaca hasil

• Saldo Pada Pensiun – Projected total.
• Rincian – Starting Saldo, your contributions, employer match, dan ke-grow.
• Income Pada 4% – A rough Tahunan withdrawal.

Rumus

Per buah Tahun: Saldo = Saldo × (1 + return) + (your contribution + employer match) × (1 + return ÷ 2). Match = min(your contribution, salary × match cap) × match %. Salary rises Per buah Tahun by the growth Suku bunga.

Contoh perhitungan

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

Asumsi dan batasan

• Contributions are made evenly through the Tahun.
• Limits seharga 2026: 24,500 employee deferral, 8,000 catch-up at 50+, 11,250 seharga ages 60 sampai 63.
• ke-Ro dan traditional tax treatment adalah not modelled.

Kesalahan umum

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

Pertanyaan yang sering diajukan

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

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