401(k) calculator

Como usar a 401(k) calculator

O que calcula e quando usar

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

Como usar, passo a passo

1. Enter your salary, Idade, Aposentadoria Idade e Corrente Saldo.
2. Enter your contribution Porcentagem e your employer’s match.
3. Enter expected salary grow.ª, investment return e inflation.

O que significa cada campo

• Employer Correspondências – The percentage de your contribution your employer adds, por Exemplo 50%.
• Match applies up Até – The salary Porcentagem on which the match é Pagas.

Como ler os resultados

• Saldo A Aposentadoria – Projected total.
• Detalhamento – Starting Saldo, your contributions, employer match e grow.ª.
• Income A 4% – A rough Anual withdrawal.

A fórmula

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

Um exemplo prático

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, ou 580,419 em today’s money.

Premissas e limites

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

Erros comuns

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

Perguntas frequentes

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

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