401 (k) Calculator
Project 401 (k) msonkho wanu pa kuchoka ndi wogwira ntchito match ndi msonkho kukula.
Zithunzizi zimasintha monga momwe mumalemba.
Zachidule
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.
Mafunso ofunsidwa nthawi zambiri
Kodi ntchito yofanana ndi yogwira ntchito imagwira ntchito bwanji?
Fomu yofala kwambiri ndi 50% ya ndalama zanu mpaka 6% ya ndalama. Izi zida zimagwirizana ndi kuchuluka kwa ndalama zanu, zomwe zimatha kukwaniritsa malire a masewera, nthawi zambiri zimakhala ndi kuchuluka kwa masewera - motero kuthandizira 6% ndi 50% - mpaka 6% kugwirizana kumawonjezera 3% ya ndalama m'madola opanda ndalama chaka chilichonse.
Kodi ndiyenera kuwonjezera ndalama zingati pa 401(k) yanga?
Panthawi yochepa, kuwonjezerapo zokwanira kuti atenge ofanana ndi wogwira ntchito - ngati sichoncho, mudzasiya ndalama zosalipira pa tabu. Mfundo yodziwika bwino ndi 10-15% ya ndalama kuphatikizapo ofanana, yomwe imawonjezeka ndi kuwonjezeka kokha.
Kodi "50% match mpaka 6%" zikutanthauza chiyani?
Izi zikutanthauza kuti wogwira ntchitoyo amawonjezera 50 cents kwa ndalama iliyonse yomwe mumalipira, koma panthawi yoyamba 6% ya msonkho wanu. Kuphatikiza 6% kumabweretsa masewera onse - 3% ya ndalama zowonjezera zaulere - pomwe kuwonjezera pang'ono kumasiya gawo la masewerawa osavomerezeka.
Kodi ndi chiyani chida cha 401 (k)?
IRS amaika chaka chilichonse cap pa ntchito zothandizira kuti amapita zaka zambiri, ndi zowonjezera catch-up chithandizo pamene inu ndinu 50 kapena kupitilira apo; wogwira ntchito match ali pa mapeto a kuti.
Kodi kukula kwa ndalama kumakhudza bwanji 401 (k) yanga?
Chifukwa chakuti ndalama zanu ndi gawo la ndalama, pa nthawi iliyonse yowonjezera ndalama, ndalama zomwe inu ndi wogwira ntchitoyo munaziika m’malo mwa ndalama zanu zimawonjezeka. Kuwonjezera ndalama zaka zitatu, ndalama zomwe mwapanga zimawonjezeka.
Kodi ndiyenera kuyembekezera ndalama zotani kuti ndilandire ndalama za 401(k)?
Mtundu wambiri wa ndalama ndi ndalama zolimba zakhala zikuwononga pafupifupi 6-8% chaka chilichonse kwa nthawi yaitali, choncho 7% ndi mfundo yoyenera yopanga ndalama. Ikani pansi pamene mukusinthana ndalama zolimba m’malo mwa ndalama zolimba zosagwira ntchito, ndipo kumbukirani kuti ndalama zolimba sizitsimikiziridwa chaka ndi chaka.
API — kugwiritsa ntchito izi calculator kuchokera code
Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Chomweko chilichonse chimene mumasiya chimagwiritsa ntchito mfundo yoyamba yomweyi yomwe tsambali limagwiritsa ntchito; mfundo yosadziwika ndi 400, siyiyenera kukhala zero yosadziwika. Onani zonse API docs →
Chithunzi
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);Zimenezi ndi zowerengera zokhudzana ndi malangizo amtundu uliwonse, si zokhudzana ndi ndalama, zamoyo kapena zokhudzana ndi ndalama.