401(k) Calculator
Project your 401(k) balance at retirement with employer match and salary growth.
Matokeo yanakuwa bora zaidi unapochapa.
Kuhusu kifaa hiki cha kupigia hesabu
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.
Maswali yaliyoulizwa mara nyingi
Mwajiri analinganaje na kazi?
A common formula is 50% of your contributions up to 6% of salary. This tool matches your contribution rate, capped at the match limit, times the match percentage — so contributing 6% with a 50%-up-to-6% match adds 3% of salary in free money each year.
How much should I contribute to my 401(k)?
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.
"Asilimia 50 inalingana na asilimia 6" inamaanisha nini hasa?
It means your employer adds 50 cents for every dollar you contribute, but only on the first 6% of your salary. So contributing 6% earns the full match — an extra 3% of salary in free money — while contributing less leaves part of that match unclaimed.
What is the 401(k) contribution limit?
WheS huweka kofia ya kila mwaka juu ya michango ya wafanyakazi ambayo huongezeka kwa miaka mingi, ikiwa na posho ya ziada ya kuvuliwa mara tu unapokuwa na umri wa miaka 50 au zaidi; mwajiri anacheza mchezo wa kiberiti akiwa juu ya fedha.
How does salary growth affect my 401(k)?
Kwa sababu mchango wako ni kiasi cha mshahara, kila mmoja huongeza kwa urahisi dola ulizoweka na mwajiri wako. Mfanyizo wa mwaka wa kukuza kiasi hicho, na ndiyo sababu usawaziko huo unaathiriwa na hata kuongezeka kwa mshahara mdogo.
What return rate should I assume for a 401(k)?
A diversified stock-and-bond mix has historically returned around 6–8% a year over long periods, so 7% is a common planning assumption. Lower it as you shift toward bonds near retirement, and remember returns are not guaranteed year to year.
API bustanini hutumia kifaa hiki cha hesabu kutoka kwenye mfumo wa sheria
Ipigie simu kifaa hiki cha kupigia hesabu kama Junse É not doot toder. Chochote unachoacha kinatumia kiwango kilekile cha mwisho ambacho ukurasa huu haujakamilika; parameta isiyojulikana ni 400, si sufuri kimya kamwe. Soma habari kamili za API docs →
keyboard label
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);Matokeo ni makadirio ya mwongozo wa ujumla, si wa kifedha, wa kitiba au wa kodi tu.