金融

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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使用方法
  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.

公式

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.