Kalkulator 401(k)
Proyeksi 401(k) AS kanthi employer match, kenaikan gaji lan watesan kontribusi 2026.
Babagan Kalkulator 401(k)
Proyeksi 401(k) AS kanthi employer match, kenaikan gaji lan watesan kontribusi 2026.
Bagean saka seksi “Pensiun” SmartCalcy. Lumaku ing browser panjenengan tanpa akun, nganggo mata uang lan satuan panjenengan dhewe (ganti ing sisih ndhuwur kaca), lan menehi perkiraan mung kanggo informasi, mula priksa pandhuan resmi sadurunge ngandelake asile.
Carane nganggo Kalkulator 401(k)
Apa sing dietung lan kapan nganggo
Mbatang saldo 401(k) ing AS kanthi matching saka juragan, kenaikan gaji lan tuwuhe investasi, lan mriksa iuran panjenengan marang wates 2026.
Carane nganggo, langkah demi langkah
- Lebokna gaji, umur, umur pensiun lan saldo saiki.
- Lebokna persentase iuran lan matching saka juragan.
- Lebokna kenaikan gaji, asil investasi lan inflasi sing dikarepake.
Tegese saben input
- Employer Sing cocog – The percentage of your contribution your employer adds, for example 50%.
- Match applies up to – The salary percentage on which the match is paid.
Carane maca asile
- Saldo at Pensiun – Projected total.
- Rincian – Starting Saldo, your contributions, employer match lan Pangkat grow.
- Income at 4% – A rough Saben taun withdrawal.
Rumus
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.
Conto petungan
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.
Asumsi lan watesan
- 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.
- Pangkat Ro lan traditional tax treatment yaiku not modelled.
Kesalahan umum
- Not contributing enough nganti Oleh the kerutan match.
- Forgetting that traditional 401(k) withdrawals are taxed.
Pitakonan sing kerep ditakokake
Apa iku catch-up contribution?
Iuran tambahan sing diidini wiwit umur 50. Umur 60 nganti 63 duwe wates luwih dhuwur miturut SECURE 2.0.
Apa watese kegayuh?
Yen iuran panjenengan ngluwihi wates, kalkulator mbatesi lan ngandhani panjenengan.
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.
Piranti sing gegandhengan
Rincian
- Your first-year contribution
- £6,000.00
- Employer match, ngarep taun
- £2,250.00
- Income at 4% saben taun
- £48,699a umum starting withdrawal tarif
- Income at 4%, today’s money
- £23,217