401(k) Calculator

Fi ojú kọ́ọ̀kan rẹ̀ pamọ́ nínú 401(k) nígbà tí o bá jẹ́ pé o tí ìgbà ìsẹ́ nínú ìgbà tí o bá jẹ́ pé o tí ìgbà ìgbà ìsẹ́.

Àwọn ìṣàmúlò-ètò lọ́wọ́lọ́wọ́

Ògó Ìjáde

Àwọn Ìṣàmúlò-ètò

Àwọn ìrànwọ́ rẹ ?

Àwọn ìpèwọ̀n tí o fi àwọn iṣẹ́ rẹ̀ pamọ́ nínú gbogbo odun.

Àwọn ìṣàmúlò-ètò ?

Àwọn ìpèwọ̀n tí a bá fi pamọ́ sínú àwọn ààyè-iṣẹ́ rẹ (50% = 50 cents nínú dola kan)

Àwọn ìkúndùǹ ìtàn ?

Àwọn ìṣàmúlò-ètò tí a fi pamọ́ nípa ìpéwọ̀n yìí tí a fi pamọ́.

Àwọn ìṣàmúlò-ètò

Ìṣàmúlò-ètò

Current 401(k) balance

Ìgbà ìdáràn nínú ìjánu-ìṣàmúlò-ètò —

Àwọn ìrànwọ́ rẹ —

Àwọn ìṣàmúlò-ètò —

Ìṣàmúlò-ètò —

Àwọn Àtòjọ-ẹ̀yàn àwọn ìṣàmúlò-ètò

Ńlà àwọn àwọn ààtò àtòjọ-ẹ̀yàn yìí?

Àkóónú ìṣàmúlò-ètò yìí

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.

Àwọn Àtòjọ-ẹ̀yàn

Bawo ní a ṣe lè ló àwọn àwọn ààtò àwọn agbẹ̀jọro?

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.

Igba wo ni mo yẹ ki n ṣe ifowopamọ fun 401(k) mi?

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.

Kini "50% tí wọ́n bá jẹ́ nípa 6%" tumọ̀ níbí?

O tumọ si pe oludari rẹ n fi 50 cents kun fun gbogbo owo-ori ti o fi pamọ, ṣugbọn nikan lori 6% akọkọ ti owo-ori rẹ. Nitorina, fipamọ 6% gba ibatan kikun - 3% ti o pamọ ti owo-ori ni owo ọfẹ - nigba ti fipamọ kere ju fipamọ apakan ti ibatan naa ti ko ni i gba.

Kini àwọn ìdájú àwọn 401(k)?

The IRS sets an annual cap on employee contributions that rises most years, with an extra catch-up allowance once you are 50 or older; the employer match sits on top of that. This calculator does not enforce the cap, so keep your entered contribution within the current limit.

Bawo ni o ṣe le ṣe ipa lori 401(k) mi?

Tí àwọn ìrànwọ́ rẹ̀ jẹ́ àwọn ìwọ̀n tí a fi pamọ́, ìṣàfarawé gbogbo nípa ìṣàfarawé àwọn dolà tí o náà àti àwọn olórí rẹ̀ tí wọ́n fi pamọ́. Ààyè ìṣàfarawé ọdun-nípa-ókè nípa àwọn ìṣàfarawé yìí, eyi nípa tí àwọn àwọn ìṣàfarawé tí a tí ìṣàfilọ́lẹ̀ jẹ́ àìdájú láti fi àwọn ìṣàfarawé owò tí a tì gbà.

Ìgbà wo ní mò fi gbàgbọ́ pé mò lè gbàgbọ́ fun 401(k)?

A diversified stock-and-bond mixture has historically returned around 6-8% a year over long periods, so 7% is a common planning assumption. Lower it as you shift towards bonds near retirement, and remember returns are not guaranteed year to year.

API — ló àwọn ìṣàmúlò-ètò yìí láti inú ìṣàmúlò-ètò

Fi àwọn ìṣàmúlò-ètò yìí kọ̀ǹpútà yìí láti jẹ́ ààyè-iṣẹ́ JSON tí a tí fi pamọ́ - kò ní bọ́tìnì kan tí a fẹ́. Fi àwọn fálù ààyè-iṣẹ́ sílẹ̀ sí bí àwọn àwọn ìṣàmúlò-ètò àti JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka àwọn àkọlé API kíkún →

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

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.

Àkóónú ìṣàmúlò-ètò yìí

Àwọn Àtòjọ-ẹ̀yàn

Àwọn Ìṣàmúlò-ètò Ìṣàmúlò-ètò

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

curl

JavaScript fetch()

JavaScript `fetch()`