Kalkulator
Projicirajte svoj 401(k) balans u penziji sa poslodavcem i povećanjem plaće.
Rezultati se ažuriraju dok tipkate.
O ovom kalkulatoru
calculator calculates how much your workplace retirement account will grow to retirement from your salary, the percentage you contribute, your employer’s matching contribution, your expected investment return and annual raises. Contributions compound monthly and the employer match is added on top up to its limit, so you can see how much of the final balance is your money, your employer’s money and investment growth. A calculator calculates how much your workplace retirement account will grow to retirement from your salary, the percentage you contribute, your employer’s matching contribution, your expected investment return and annual raises. A calculator calculates how much your workplace retirement account will grow to retirement from your salary, the percentage you contribute, your employer’s matching contribution, your expected investment return and annual raises. A calculator calculates how much your workplace retirement account will grow to retirement from your salary, your employer’s matching contribution, your employer’s matching contribution, and your expected investment return.A calculator calculates how much your workplace retirement account will grow to retirement from your salary, your employer’s matching contribution, your employer’s matching contribution, your employer’s matching contribution, your expected investment return and annual raises.Use this calculator to see how your workplace retirement account will grow.Use this calculator to see how your workplace retirement account will grow from your salary, the percentage you contribute, your employer’s matching contribution, your employer’s matching contribution, your expected investment return and annual raises.Use this calculator to see how your workplace retirement account will grow from your salary, your employer’s matching contribution, and your employer’s matching contribution.Use this calculator to see how your workplace retirement account will grow.Use this calculator to see how your workplace retirement account will grow from your salary, your employer’s matching contribution, your employer’s matching contribution, your employer’s matching contribution, your employer’s matching contribution, your employer’s matching contribution, your employer’
Često postavljana pitanja
Kako funkcionira usklađivanje poslodavaca?
Uobičajena formula je 50% vaših doprinosa do 6% plaće. Ovaj alat podudara vašu stopu doprinosa, ograničenu na ograničenje podudaranja, sa postotkom podudaranja - tako da doprinos od 6% sa 50%-do-6% podudaranja dodaje 3% plaće u slobodnom novcu svake godine.
Koliko treba da doprinosim u svoj 401(k)?
At a minimum, contribute enough to capture the full employer match — otherwise you leave free money on the table. A common overall target is 10–15% of salary including the match, increased with each raise.
Šta to "50% odgovara do 6%" zapravo znači?
To znači da vaš poslodavac dodaje 50 centi za svaki dolar koji uložite, ali samo na prvih 6% vaše plaće. Dakle, doprinoseći 6% zarađujete puni iznos - dodatna 3% plaće u slobodnom novcu - dok doprinoseći manje ostavljate dio tog iznosa neiskorištenog.
Koja je granica doprinosa za 401(k)?
IRS postavlja godišnju granicu doprinosa zaposlenika koja raste većinu godina, sa dodatnim naknadama za nadoknadu kad navršite 50 godina; poslodavac se na to nadovezuju. Ovaj kalkulator ne primjenjuje granicu, tako da držite vaš uneseni doprinos unutar trenutne granice.
Kako rast plaća utiče na moju mirovinu?
Budući da je vaš doprinos postotak plaće, svako povećanje automatski povećava dolare koje vi i vaš poslodavac stavljate. Polje godišnjeg povećanja kombinira ovaj efekat, zbog čega je projicirani saldo osjetljiv čak i na malo pretpostavljenog povećanja plaće.
Koju stopu povrata trebam pretpostaviti za 401(k)?
Diverzificirani mix dionica i obveznica je historijski vratio oko 6-8% godišnje tokom dugih perioda, tako da je 7% uobičajena pretpostavka planiranja.Smanjite ga kako se krećete prema obveznicama u blizini penzionisanja, i zapamtite da povrati nisu garantirani iz godine u godinu.
API — koristite ovaj kalkulator iz koda
Pozovi ovaj kalkulator kao slobodnu JSON krajnju tačku - nije potreban ključ. Pošalji vrijednosti polja ispod kao parametre upita ili JSON. Pročitajte cijelu API dokumentaciju →
Krajnja tačka
GET https://calculator.free/api/v1/401k/curl
curl "https://calculator.free/api/v1/401k/?current_age=30&retire_age=65&salary=60000&contribution=6"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/401k/?" + new URLSearchParams({
"current_age": "30",
"retire_age": "65",
"salary": "60000",
"contribution": "6"
}));
const data = await r.json();
console.log(data.results);Rezultati su procjene samo za opće smjernice, a ne financijski, medicinski ili porezni savjeti.