401(k) Calculator
Qorso 401(k)ada oo ku jira xisaabtaada marka aad ka tagto shaqada oo la mid ah shaqaalihii hore iyo kordhinta mushaarka.
Natiijooyinka cusbooneysiinta sida aad ku qorto.
Ku saabsan Kalkaaliyahan
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.
Su'aalaha badanaa la isweydiiyo
Sidee ayuu shaqsi shaqo la'aan ah u shaqeeyaa?
A formula caadiga ah waa 50% ka mid ah kaa caawinta ilaa 6% mushaarka. qalabkan waa la mid ah qiimaha kaa caawinta, capped at xadka ciyaarta, mar kasta oo boqolkiiba ciyaarta - sidaas ka caawinta 6% la 50%-up-to-6% ciyaarta ku daray 3% mushaarka lacag la'aan ah sanad kasta.
Sidee ayaan u qaybin karaa 401 (k)?
Ugu yaraan, ka qayb qaadato ku filan si ay u qabtaan ciyaarta shaqo-bixiye buuxa - haddii kale waxaad ka tagto lacag bilaash ah ee miiska. Target guud ee caadiga ah waa 10-15% mushaarka oo ay ku jiraan ciyaarta, oo la kordhiyay oo leh kor u qaadista kasta.
Maxaa "50% isku mid ah ilaa 6%" dhab ahaantii micnaheedu yahay?
Tani waxay ka dhigan tahay shaqadaada shaqaalaha ku daray 50 cents dollar kasta oo aad ka qayb qaadato, laakiin kaliya ee ugu horeysay 6% mushaharkaaga. Sidaas ka qayb qaadata 6% ku kasbada ciyaarta buuxda - dheeraad ah 3% mushaharka lacag la'aan ah - halka ka qayb qaadata ka yar ka tagaa qayb ka mid ah ciyaartaas aan la sheegin.
Maxay tahay xaddidaadda 401 (k)?
IRS waxay ku siinaysaa xaddi sanadle ah ee lacagta shaqaalaha ee sanadka ugu badan ee kor u kaca, oo leh gunno dheeraad ah oo la soo gaadhay marka aad tahay 50 ama ka weyn; shaqo-bixiye ku habboon ku fadhiya korka in. Kalkaaliyayaashan ma fulin karo xaddidan, sidaas darteed ku hayn lacagta aad soo galaya xadka hadda jira.
Sidee koritaanka mushaarka saameyn ku leh 401 (k)?
Sababtoo ah qaybtaada waa boqolkiiba mushaarka, kor u qaadista kasta oo si otomaatig ah u kordhiya dollar aad iyo shaqaalahaaga ku shub. The sanadle ah-kor u qaadista goobta isku darka saamayntan, taas oo ah sababta oo ah miisaaniyadda la saadaalinayo waa u nugul tahay in ay xitaa yar oo la aaminsan yahay kordhinta mushaarka.
Maxay tahay celceliska celceliska aan u maleynayaa in 401 (k)?
A kala duwan saamiyada-iyo-bond isku darka taariikhi ahaan ku soo laabtay 6-8% sanadka muddo dheer, sidaas darteed 7% waa a qorshaynta guud ee aaminsan. hoos u sida aad u wareegto si ay u bonds ka dhow ka bixitaanka, iyo xusuuso in la soo celiyo ma aha in la hubiyo sanadka ilaa sanadka.
API — isticmaal xisaabinta ka code
Wici xisaabinta sida free JSON endpoint - key ma loo baahan yahay. Dib u soo dir qiimaha goobta hoos ku qoran sida parameters su'aal ama JSON. Wax kasta oo aad ka maqan tahay isticmaalaa default la mid ah ee boggani waa hore loo buuxiyey la; parameter aan la aqoon waa 400, marnaba ma aha zero maqan. Akhri dhammaan API xuquuqda →
Xarafka
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);Natiijooyinka waa tirakoobka loogu talagalay tilmaamaha guud oo keliya, maaha dhaqaale, caafimaad ama talo bixin canshuur.