401(k) calculator

Come usare il 401(k) calculator

Cosa calcola e quando usarlo

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

Come si usa, passo dopo passo

1. Enter your salary, Età, Pensione Età e Corrente Saldo.
2. Enter your contribution Percentuale e your employer’s match.
3. Enter expected salary growª, investment return e inflation.

Cosa significa ogni dato

• Employer Corrispondenze – The percentage di your contribution your employer adds, per Esempio 50%.
• Match applies up A – The salary Percentuale on which the match è Retribuite.

Come leggere i risultati

• Saldo A Pensione – Projected Totale.
• Dettaglio – Starting Saldo, your contributions, employer match e growª.
• Income A 4% – A rough Annuale withdrawal.

La formula

Ciascuno Anno: Saldo = Saldo × (1 + return) + (your contribution + employer match) × (1 + return ÷ 2). Match = min(your contribution, salary × match cap) × match %. Salary rises Ciascuno Anno by the growth Tasso.

Un esempio pratico

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

Ipotesi e limiti

• Contributions are made evenly through the Anno.
• Limits per 2026: 24,500 employee deferral, 8,000 catch-up at 50+, 11,250 per ages 60 a 63.
• Roª e traditional tax treatment è not modelled.

Errori comuni

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

Domande frequenti

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

Strumenti correlati