401(k) Calculator
Uhlelo lwe-401(k) luzosiza ukuhlela izimali zakho uma uphuma emsebenzini, ulinganise nemali yomsebenzi nokukhula kwemali.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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 ebuzwa kaningi
Usebenza kanjani umlinganisi womsebenzi?
Ifomula ejwayelekile yi-50% yezinsiza zakho kuze kube yi-6% yemali. Lezi zisetshenziswa zifana nezinga lakho lezinsiza, lifinyelela emkhawulweni wezinsiza, izikhathi zesibalo sezinsiza — ngakho ukunikela nge-6% nge-50% -up-to-6% insiza ngeza i-3% yemali yemali emahhala ngonyaka.
Ingabe kufanele ngihlole malini ku-401(k) yami?
Kuncane, uxhase ngokwanele ukuqoqa i-match egcwele yomqashi - noma kunjalo ushiya imali emahhala kwithebula. Inhloso ejwayelekile egcwele yi-10-15% yemali kufaka phakathi i-match, ekhula ngokwehla ngalinye.
Yini okushoyo "50% ifana ne-6%"?
Lokhu kusho ukuthi umqashi wakho ungeza amasenti angama-50 ngayinye yedola oyenzayo, kodwa kuphela ku-6% yokuqala yemali yakho. Ngakho-ke ukunikela nge-6% kuthola ukufana okugcwele - okungeziwe kwe-3% yemali yemali emahhala - ngenkathi unikela ngaphantsi ushiya ingxenye yale midlalo engaqinisekiswanga.
Yini umkhawulo wokufaka imali 401(k)?
I-IRS ibeka i-cap yeminyaka yonke ku-income ye-employee ekhula eminyakeni eminingi, ne-extra catch-up allowance uma uneminyaka engu-50 noma ngaphezulu; umlingani womsebenzi uhlala phezulu. Le calculator ayisebenzisi i-cap, ngakho gcina income yakho engeniswe ngaphakathi komkhawulo okhona.
Ingabe ukunyuka kwesabelomali kuthinta kanjani i-401(k) yami?
Ngokuba umnikelo wakho uyingxenye yemali, ngayinye inciphisa ngokuzenzakalela idola oyisebenzisayo nomsebenzi wakho. Indawo yonyaka-inciphisa ihlanganisa le miphumela, ngakho-ke i-balance elindelekile i sensitive nakuba incane icabanga ukunyuka kwemali.
Yini inani lokubuyisela okufanele ngilithathele isinqumo se-401(k)?
A stock-and-bond mix diversified 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 — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.