I-401( k) Calculator
Project your 401(k) balance at retirement with employer match and salary growth.
Iinketho ze projekti
Malunga nale Calculator
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.
Imibuzo ebuza rhoqo
Umsebenzi wokuba ngumlinganisi womsebenzi usebenza njani?
Ifomula eqhelekileyo yi-50% yeendleko zakho ukuya kuthi ga kwi-6% yesalathiso. Eli sixhobo lihambelana nenani leendleko zakho, ligqitywe kumda weendleko, liphindaphindwe ngeepesenti zeendleko — ngoko ukubonelela nge-6% nge-50%- ukuya kwi-6% yeendleko ongeza i-3% yesalathiso kwimali ekhululekileyo ngonyaka.
Ndimele ndihlawule ntoni kwi-401(k) yam?
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.
Yintoni ethetha ukuba "50% ifana ne-6%"?
Oku kuthetha ukuba umqeshi wakho udibanisa i-50 yesenti kwidola nganye oyenzayo, kodwa kuphela kwi-6% yokuqala yesalathiso sakho. Ngoko ke, ukunikela nge-6% kunika ukulingana okupheleleyo — ukongeza i-3% yesalathiso kwimali ekhululekileyo — ngelixa ukunikela ngaphantsi kushiya inxalenye yokulingana engafunyanwanga.
Yintoni umda wonikezelo lwe401(k)?
I-IRS ibeka umda wonyaka kwiintlawulo zomqeshwa onyuka kwiminyaka emininzi, kunye nesibonelelo esithe xhaxhe xa uneminyaka engama-50 okanye ubudala obungaphezulu; umda womqeshi uhlala phezulu. Le khadi lisenzanga umda, ngoko ke gcina intlawulo yakho engeniswe ngaphakathi komda okhoyo.
Ukukhula kwesabelo sichaphazela njani i-401(k) yam?
Because your contribution is a percentage of salary, every raise automatically increases the dollars you and your employer put in. The annual-raise field compounds this effect, which is why the projected balance is sensitive to even a small assumed pay rise.
Yintoni inqanaba lokubuyisela ekufuneka ndilithathele ingqalelo kwi-401(k)?
Iimali ezidityanisiweyo ezinoluhlu olubanzi lweemali ezinoxanduva ziye zabuyela kwiminyaka edlulileyo malunga ne-6-8% ngonyaka kwixesha elide, ngoko ke i-7% yimeko eqhelekileyo yocwangciso. Nciphisa xa utshintshela kwizinto ezinoxanduva ezikufutshane nokuphuma emsebenzi, kwaye uqaphele ukuba ukuphinda ubuyiselwe imali akuqinisekiswanga ngonyaka ngenyaka.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le khadi lemali njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo ezantsi njengeparameter yombuzo okanye i-JSON. Nantoni na oyenzayo isebenzisa okungagqibekanga okufanayo eli phepha ligqityiwe ngaphambili; iparameter engaziwayo yi 400, ayikho i zero ekhululekileyo. Funda i-API epheleleyo →
Incopho yesiphelo
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);Results are estimates for general guidance only, not financial, medical or tax advice.