401(k) calculator

401(k) calculatorの使い方

何を計算するか、いつ使うか

Projects a US 401(k) 残高 with employer match、給与 rises、investment growth,とchecks your contributions against the 2026 limits.

使い方の手順

1. Enter your salary、年齢, 退職・老後 年齢、電流 残高.
2. Enter your contribution 割合とyour employer’s match.
3. Enter expected salary grow乗、investment return、inflation.

各入力項目の意味

• Employer 一致する単語 – your contribution your employer adds, The percentage個で例 50%.
• Match applies up 終了 – The salary 割合 on which the matchは有給.です

結果の読み方

• 残高 適用 退職・老後 – Projected 合計.
• 内訳 – Starting 残高、your contributions, employer match、grow乗.
• Income 適用 4% – A rough 毎年 withdrawal.

計算式

1個あたり 年: 残高 = 残高 × (1 + return) + (your contribution + employer match) × (1 + return ÷ 2). Match = min(your contribution, salary × match cap) × match %. Salary rises 1個あたり 年 by the growth 利率.

計算例

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

前提と限界

• Contributions are made evenly through the 年.
• Limits個で2026: 24,500 employee deferral, 8,000 catch-up at 50+, 11,250個でages 60〜63.
• Ro乗とtraditional tax treatmentはnot modelled.です

よくある間違い

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

よくある質問

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

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