401 (k) Calculator
Project yako 401 (k) chiyero pakuva nebasa nemubhadharo kuwedzera.
Zvinyorwa zvinogadziridzwa paunenge uchinyora.
Nezve iyi kalkulator
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.
Zvimwe zvinobvunzwa zvakanyanya
Maitiro ekuita kuti kambani iwedzere mari?
Chimwe chezvikonzero zvakajairika ndechekuti 50% yemari yako inobhadharwa kune 6% yemari yemubhadharo. Iyi nzira inoenzanisa mari yako inobhadharwa, yakapetwa kaviri nemari inobhadharwa, nemari inobhadharwa yemubhadharo. Izvi zvinoreva kuti kana iwe ukabhadhara 6% yemari yako kune 50% yemari inobhadharwa, unowana 3% yemari inobhadharwa mumari yemahara gore rega rega.
Ndezvipi zvikonzero zvandinofanira kuisa mari mu401(k) yangu?
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.
Chii chinonzi "50% match up to 6%" chinonzi?
Izvi zvinoreva kuti mubhadhari wako anowedzera 50 cents pagore kune chero mari yaunobhadhara, asi chete pakutanga 6% yemubhadharo wako. Izvi zvinoreva kuti kubhadharisa 6% kunowana kusangana kwakadzama—kuwedzera 3% yemubhadharo mumari yemahara—kana kuti kubhadharisa zvishoma kunosiya chikamu chemubhadharo usina kupihwa.
Chii chinonzi 401(k)?
IRS inoisa gore chivharo pavadzidzi zvikwereti kuti anokwira makore akawanda, ne extra catch-up chikwereti kana iwe uri 50 kana kupfuura; mubhadhari mutambo ari kugara pamusoro kuti. Iyi calculator haasi kutevedzera chivharo, saka chengetedza yako yapinda zvikwereti mukati menguva yenguva.
Maitiro ekuwedzera mari anokonzera sei 401(k) yangu?
Nekudaro, kana iwe ukawana mari yakakwana, unogona kuisa mari yako yemubhadharo muzvikwereti zvemari. Nekudaro, kana iwe ukawana mari yakakwana, unogona kuisa mari yako yemubhadharo muzvikwereti zvemari.
Chii chiyero chekudzoka ndinofanira kufungidzira kuti ndiwane 401(k)?
A zvakasiyana stock-and-bond michina yakapfuura zvakadzokera pamusoro 6-8% gore pamusoro nguva refu, saka 7% ndeimwe yakafanana kutarisira fungidziro. Lower it sezvaunenge kuchinja kuseri bonds pedyo kutambanudza, uye funga kuti kudzoka haasi kuvimbiswa gore negore.
API — kushandisa iyi kalkulator kubva code
Nhare iyi calculator semahara JSON endpoint - hapana chikuru zvinodiwa. Kutumira nzvimbo mavara pasi separameter query kana JSON. Chii zvachose chaunoisa kunze chinoshandisa default iyo peji iri rakasviba nayo; parameter isiri yechokwadi inonzi 400, uye haisi zero. Tora yakazara API docs →
Endpoint
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);Zviratidzo zvemubvunzo ndezvekufungidzira kwechinangwa chekudzidzisa chete, kwete zvemari, zvehutano kana zvemari.