Kalkulator 401(k)
Unjurkan akaun 401(k) di AS dengan caruman padanan majikan, kenaikan gaji dan had caruman 2026.
Tentang Kalkulator 401(k)
Unjurkan akaun 401(k) di AS dengan caruman padanan majikan, kenaikan gaji dan had caruman 2026.
Sebahagian daripada bahagian “Persaraan” SmartCalcy. Ia berjalan dalam pelayar anda tanpa akaun, menggunakan mata wang dan unit anda sendiri (tukarkannya di bahagian atas halaman), dan memberikan anggaran untuk makluman sahaja, jadi semak panduan rasmi sebelum anda bergantung pada sesuatu hasil.
Cara menggunakan Kalkulator 401(k)
Apa yang dikira dan bila menggunakannya
Mengunjurkan baki 401(k) AS dengan padanan majikan, kenaikan gaji dan pertumbuhan pelaburan, serta menyemak caruman anda berbanding had 2026.
Cara menggunakannya, langkah demi langkah
- Masukkan gaji, umur, umur persaraan dan baki semasa anda.
- Masukkan peratusan caruman anda dan padanan majikan anda.
- Masukkan jangkaan pertumbuhan gaji, pulangan pelaburan dan inflasi.
Maksud setiap input
- Employer Padanan – The percentage of your contribution your employer adds, for example 50%.
- Match applies up to – The salary percentage on which the match is paid.
Cara membaca hasil
- Baki at Persaraan – Projected Jumlah.
- Pecahan – Starting Baki, your contributions, employer match dan ke-grow.
- Income at 4% – A rough Tahunan withdrawal.
Formula
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.
Contoh pengiraan
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.
Andaian dan had
- 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.
- ke-Ro dan traditional tax treatment ialah not modelled.
Kesilapan biasa
- Not contributing enough hingga Dapat the penuh match.
- Forgetting that traditional 401(k) withdrawals are taxed.
Soalan lazim
Apakah caruman susulan (catch-up)?
Caruman tambahan yang dibenarkan mulai umur 50. Umur 60 hingga 63 mempunyai had lebih tinggi di bawah SECURE 2.0.
Adakah had dicapai?
Jika caruman anda melebihi had, kalkulator menghadkannya dan memberitahu anda.
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.
Alat berkaitan
Butiran
- Your first-year contribution
- £6,000.00
- Employer match, pertama tahun
- £2,250.00
- Income at 4% setahun
- £48,699a biasa starting withdrawal kadar
- Income at 4%, today’s money
- £23,217