401(k) calculator

如何使用401(k) calculator

它计算什么，何时使用

Projects a US 401(k) 余额 with employer match、薪酬 rises、investment growth, 和 checks your contributions against the 2026 limits.

使用步骤

1. Enter your salary、年龄, 退休 年龄、电流 余额.
2. Enter your contribution 百分比 和 your employer’s match.
3. 第 Enter expected salary grow 次、investment return、inflation.

各输入项的含义

• Employer 匹配项 – The percentage your contribution your employer adds,件示例 50%.
• Match applies up 到 – The salary 百分比 on which the match 是 有薪.

如何阅读结果

• 余额 以 退休 – Projected 总计.
• 明细 – Starting 余额、your contributions, employer match、第 grow 次.
• Income 以 4% – A rough 每年 withdrawal.

公式

每件 年份: 余额 = 余额 × (1 + return) + (your contribution + employer match) × (1 + return ÷ 2). Match = min(your contribution, salary × match cap) × match %. Salary rises 每件 年份 by the growth 利率.

计算示例

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

假设与局限

• Contributions are made evenly through the 年份.
• Limits件2026: 24,500 employee deferral, 8,000 catch-up at 50+, 11,250件ages 60 至 63.
• 第 Ro 次 和 traditional tax treatment 是 not modelled.

常见错误

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

常见问题

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

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