401(k) Calculator
Project gị 401 (k) ego na retirement na onye ọrụ match na ụgwọ ọrụ mmepe.
Nhọrọ ndị ahụ ga-akpụzi mgbe ị na-etipụta.
N'ihe banyere calculator a
A 401(k) calculator projects how your workplace retirement account grows 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.
Each month it adds your contribution and the matched amount, then applies one-twelfth of the annual return, while your salary and contributions rise with your raises. For example, a 30-year-old earning 60,000, contributing 6% with a 50%-up-to-6% match, 7% returns and 2% raises, reaches roughly 1.01 million by age 65 — of which about 180,000 is your contributions, 90,000 the employer match, and the rest investment growth.
Use it to see whether you are on track, to test how a higher contribution rate or a different return changes the outcome, and above all to confirm you are capturing the full employer match. That match is an immediate, guaranteed return that no other input in the model can rival.
Ajụjụ ndị a na-ajụkarị
Olee otú ọrụ onye ọrụ na-arụ ọrụ?
A common formula bụ 50% nke gị contributions ruo 6% nke ụgwọ ọrụ. Ngwaọrụ a na-ejikọta gị contribution rate, na-ekpuchi na match limit, oge match percent - ya mere na-ejikọta 6% na 50%-up-to-6% match na-egbakwunye 3% nke ụgwọ ọrụ na free money kwa afọ.
Olee uru m ga-enye n'ihe m na-eme 401(k)?
Nala, na-enye aka na-eri zuru ezu onye ọrụ na-eme egwuregwu - ma ọ bụrụ na ị na-ahapụ free ego na tebụl. A n'ozuzu n'ozuzu ihe n'ozuzu bụ 10-15% nke ụgwọ ọrụ gụnyere na egwuregwu, na-arịwanye elu na-agbakwụnye.
Gịnị bụ "50% dị n'otu na 6%"?
Ọ pụtara na onye ọrụ gị na-eweta 50 cents maka dollar ọ bụla ị na-enye, mana naanị na mbụ 6% nke ụgwọ ọrụ gị. Ya mere, ịnye 6% na-enweta mmeri zuru oke - 3% nke ụgwọ ọrụ n'efu - ebe ị na-enye obere na-ahapụ akụkụ nke egwuregwu ahụ na-enweghị nkwekọrịta.
Gịnị bụ 401(k) n'okporo ụzọ?
The IRS na-ewere a afọ-agwụcha na ọrụ contributions na-arịgo ọtụtụ afọ, na a ọzọ catch-up n'ihi mgbe ị bụ 50 ma ọ bụ ochie; onye ọrụ match sits na elu nke na. Nke a calculator na-adịghị egbochi agwụcha, ya mere na-echekwa gị n'ime-abanye contribution n'ime ugbu a limit.
Olee otú mmụba nkwụghachi ụgwọ si metụta m 401(k)?
N'ihi na gị n'ime bụ a pasent nke ụgwọ, ọ bụla n'elu na-akpaghị aka na-arịwanye dollar ị na gị ọrụ-enye n'ime. The afọ-n'elu field compounds a mmetụta, nke bụ ihe mere na-atụ anya na-eguzogide na-eche na ọbụna a obere a n'elu n'elu.
Gịnị bụ ọnụọgụgụ nkwụghachi azụ m ga-atụ anya maka 401 (k)?
A diversified stock-na-bond mix na-emeri n'ime 6-8% kwa afọ n'oge ogologo, ya mere 7% bụ a common planning assumption. Lower ya dị ka ị na-agbanwe na-eme ka bonds na-adị nso na-akwụsị ọrụ, na-eche na-emeri bụ na-enweghị nkwa afọ na afọ.
API — jiri kaadị a site na kóòdù
Kpọọ kalkulata a dịka ebe ngwụcha JSON n'efu - enweghị kii achọrọ. Ziga valiu ebe ahụ n'okpuru dịka paramita ajụjụ mọọbụ JSON. Ihe ọbụla ị na-ewepụ na-eji dìfọ́ọ̀ltụ̀ nke a na-edebe ihuakwụkwọ a na ya; parameter a na-amaghị bụ 400, ọ dịghị sẽọ̀rọ̀. Gụọ ngwe ndị ahụ niile →
Ebemkpofuozi
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);Ihe a na-ahụta bụ n'ihi nlekọta n'ozuzu ya, ọ bụghị nlekọta ego, ọgwụ ma ọ bụ nlekọta ego.