🏦 Kalkulata

A common formula is 50% of your contributions up to 6% of salary. This tool matches your contribution rate, capped at the match limit, times the match percentage - so contributing 6% with a 50%-up-to-6% match adds 3% of salary in free money each year.

A mafi ƙarancin, bayar da gudummawa da yawa don kama da cikakken mai aiki - in ba haka ba za ka bar kudi kyauta a kan tebur. A al'ada gaba daya manufa ne 10-15% na albashi ciki har da wasan, da aka kara da kowace kara.

Wannan yana nufin mai aiki naka ya kara da 50 cents ga kowace dala da ka bayar, amma kawai a kan farkon kashi 6% na albashinka. Saboda haka, bayar da kashi 6% yana samun cikakken daidaito - wani karin kashi 3% na albashi a cikin kudi mai sauki - yayin da bayar da kashi kadan ya bar wani ɓangare na wannan daidaito ba a karɓa ba.

The IRS sets a annual cap on employee contributions that rises most years, with an extra catch-up allowance once you are 50 or older; the employer match sits on top of that. This calculator does not enforce the cap, so keep your entered contribution within the current limit.

Because your contribution is a percentage of salary, every raise automatically increases the dollars you and your employer put in. The annual-raise field compounds this effect, which is why the projected balance is sensitive to even a small assumed pay rise.

A diversified stock-and-bond mix has historically returned around 6-8% a year over long periods, so 7% is a common planning assumption. Lower it as you shift towards bonds near retirement, and remember returns are not guaranteed year to year.