금융

401(k) Calculator

Estimate your 401(k) growth over time, including employer matching and expected salary increases.

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Employer Match

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e.g. 50% match of your contribs
%
e.g. up to 6% of salary
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Estimated Balance at Age 65
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Total Your Contributions
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Employer Match
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Interest Earned
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사용 방법
  1. Enter your Current Age and Retirement Age.
  2. Input your Current Balance and Annual Salary.
  3. Define your contribution rate and your employer's matching program (e.g. they match 50% of your contributions, up to 6% of your total salary).
  4. The calculator projects year-over-year compounding growth based on your expected return rate.

공식

401(k) Growth:
Calculated iteratively per year.
Salary = Salary × (1 + Salary Increase)
Your Contrib = Salary × (Your Contrib %)
Employer Match = Salary × MIN(Your Contrib %, Match Limit %) × (Match %)
Year End Balance = (Start Balance + Total Contrib) × (1 + Annual Return)

The 401(k) Calculator illustrates the long-term compounding benefits of employer-sponsored retirement accounts. By factoring in salary bumps and employer matching caps, it provides a highly realistic forecast of your eventual retirement nest egg.