Kātaitai 401(k)
Ka whakamōhio atu ki tōna taumahatanga 401(k) i te wā o te whakatara me te ōritetanga o te kaimahi me te tupunga o te utu.
Ka whakahōutia ngā hua i te wā e tātuhi ana.
Mo tēnei tātaitai
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Ko nga pātai e pā ana
He pēhea te mahi o te kaiārahi kaiārahi?
Ko tētahi tātai noa ko te 50% o tōtou koha tae atu ki te 6% o te utu. Ka ōrite tēnei utauta ki tōtou mokatere koha, i te tepe i te tepe ōrite, ngā wā o te ōrautanga ōrite — nō reira ko te 6% me te 50% -ki-6% ōrite e tāpiri ana ki te 3% o te utu i te moni wātea i ia tau.
He nui rawa te āwhina i a au ki tōku 401(k)?
Ko te iti rawa, ka tino āwhina ki te whiwhi i te ōritetanga katoa o te kaimahi - kāore anō kia waiho e koe te moni wātea i runga i te tēpu. Ko te ūnga ahuwhānui noa iho ko te 10–15% o te utu tae atu ki te ōritetanga, e piki ana i ia whakanui ake.
He aha te tikanga o te "50% e ōrite ana ki te 6%"?
Ko te tikanga ka tāpiri atu e tōna kaimahi 50 ngā pūtārua mō ia dolara e āwhina ana, engari i runga anō i te 6% tuatahi o tōna utu. Nā reira ko te 6% e whiwhi ana i te ōrite katoa — he 3% tāpiri o te utu i te moni wātea — ā, ko te āwhina iti iho e waiho ana i tētahi wāhanga o taua ōritetanga kāore i te whakawhiwhia.
He aha te tepe koha 401 (k)?
Ka whakarite te IRS i tētahi taitapa tau kotahi mo ngā koha o ngā kaimahi e piki ana i te nuinga o ngā tau, me tētahi utu ā-whakahaere ā-whakahaere i te wā e 50 tau, i te wā rānei; e noho ana te tātai kaimahi i runga i taua mea. Kāore tēnei tātaitai i te whakahau i te taitapa, nō reira ka pupuri i tō tātau koha i roto i te tepe o nāianei.
He pēhea te pānga o te tupunga utu ki tōku 401(k)?
Nā te mea he ōrautanga o te utu tō tātou koha, ka nui ake ā-tō-
He aha te mokatere hoki e whakaaro ana au mō te 401 (k)?
I te hītori, kua hoki mai tētahi momo tāke me te tāke i te 6–8% i ia tau i roto i ngā wā roa, nō reira ko te 7% he whakaaro whakaritenga noa iho.
API — whakamahi tēnei tātaitai mai i te waehere
E kī ana tēnei tātaitai hei wāhi mutunga kore JSON - kāore he kī e hiahiatia ana. Ka tukuna ngā uara āpure i raro nei hei tohutoro pātai, JSON rānei. Ka pānui te papatono API katoa →
Whakamutunga
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);Ko ngā hua he whakataunga mō te tohutohu ahuwhānui anake, ehara i te tohutohu moni, rongoā, tāke rānei.