Kikokotoo cha 401(k)
Kadiria 401(k) ya Marekani pamoja na mchango unaolinganishwa na mwajiri, nyongeza za mshahara na vikomo vya michango vya 2026.
Kuhusu Kikokotoo cha 401(k)
Kadiria 401(k) ya Marekani pamoja na mchango unaolinganishwa na mwajiri, nyongeza za mshahara na vikomo vya michango vya 2026.
Sehemu ya kitengo cha “Kustaafu” cha SmartCalcy. Kinaendeshwa kwenye kivinjari chako bila akaunti, kinatumia sarafu na vipimo vyako (vibadilishe juu ya ukurasa), na kinatoa makadirio kwa taarifa tu, kwa hiyo angalia mwongozo rasmi kabla ya kutegemea matokeo.
Jinsi ya kutumia Kikokotoo cha 401(k)
Kinachohesabu na wakati wa kukitumia
Kinakadiria salio la 401(k) la Marekani pamoja na mchango unaolinganishwa na mwajiri, nyongeza za mshahara na ukuaji wa uwekezaji, na kukagua michango yako dhidi ya vikomo vya 2026.
Jinsi ya kukitumia, hatua kwa hatua
- Weka mshahara wako, umri, umri wa kustaafu na salio la sasa.
- Weka asilimia ya mchango wako na mchango unaolinganishwa na mwajiri wako.
- Weka ukuaji wa mshahara unaotarajiwa, faida ya uwekezaji na mfumuko wa bei.
Maana ya kila ingizo
- Employer Yanayolingana – The percentage of your contribution your employer adds, for example 50%.
- Match applies up to – The salary percentage on which the match is paid.
Jinsi ya kusoma matokeo
- Salio at Kustaafu – Projected Jumla.
- Uchanganuzi – Starting Salio, your contributions, employer match na Cha grow.
- Income at 4% – A rough Kila mwaka withdrawal.
Fomula
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.
Mfano uliofanyiwa kazi
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.
Dhana na mipaka
- 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.
- Cha Ro na traditional tax treatment ni not modelled.
Makosa ya kawaida
- Not contributing enough hadi Pata the kamili match.
- Forgetting that traditional 401(k) withdrawals are taxed.
Maswali yanayoulizwa mara kwa mara
Mchango wa kufidia (catch-up) ni nini?
Michango ya ziada inayoruhusiwa kuanzia umri wa miaka 50. Umri wa miaka 60 hadi 63 una kikomo cha juu zaidi chini ya SECURE 2.0.
Je, vikomo vimefikiwa?
Ikiwa mchango wako uko juu ya kikomo, kikokotoo kinaupunguza hadi kikomo na kukuambia.
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.
Zana zinazohusiana
Maelezo
- Your first-year contribution
- £6,000.00
- Employer match, kwanza mwaka
- £2,250.00
- Income at 4% kwa mwaka
- £48,699a kawaida starting withdrawal kiwango
- Income at 4%, today’s money
- £23,217