401 (ك) حاسبة التقاعد

خطط لمدخراتك التقاعدية عن طريق حساب رصيدك المتوقع 401 (ك) مع مطابقة صاحب العمل ونمو الاستثمار.

التفاصيل الخاصة بك

معلومات شخصية

معلومات الراتب

$
%

مساهماتك

$
% من الراتب

مباراة صاحب العمل

%

يطابق صاحب العمل هذه % من مساهمتك

% من الراتب

يطابق صاحب العمل ما يصل إلى هذه % من راتبك

عوائد الاستثمار

%

المتوسط ​​التاريخي لمؤشر ستاندرد آند بورز 500: ~10% (قبل التضخم)

حدود مساهمة مصلحة الضرائب الأمريكية لعام 2024

  • • أقل من 50 عامًا: 23000 دولار سنويًا
  • • العمر 50+: 30,500 دولار (23,000 دولار + 7,500 دولار للتعويض)
  • • العمر 60-63 (2025+): 34,250 دولارًا (23,000 دولارًا + 11,250 دولارًا)

Fill out the form to see your projected 401(k) balance at retirement, monthly income (4% rule), and year-by-year growth.

دليل المستخدم الكامل

ما هو 401 (ك)؟

A 401(k) is an employer-sponsored retirement plan that lets you save and invest part of your paycheck before taxes. Money grows tax-deferred until withdrawal. Many employers match a portion of your contributions—that's free money for retirement.

What Your Results Mean

Projected Balance & Monthly Income

Your estimated 401(k) balance at retirement and the monthly amount you could withdraw using the 4% rule (4% of balance in year one, then inflation-adjusted).

توزيع المساهمة

Shows how much comes from your contributions, employer match, and investment gains. Income replacement % is your projected retirement income as a share of your final salary.

كيفية استخدام هذه الآلة الحاسبة

  1. Enter your current age and planned retirement age
  2. Enter annual salary and expected salary increase %
  3. Add current 401(k) balance and your contribution % (and check catch-up if 50+)
  4. Set employer match rate and limit (% of salary they match up to)
  5. Set expected annual return (e.g. 7%%). Click Calculate to see projections.

Formulas & Limits

Employee contribution = salary × your %; employer match = salary × match % (capped at your contribution and their limit). Balance grows each year by contributions plus investment return. 2024 IRS limits: $23,000 (under 50); $30,500 with catch-up (50+); higher catch-up for ages 60–63 in 2025+.

The 4% rule: withdraw 4% of your balance in year one, then adjust for inflation—designed to last ~30 years.

ملاحظات هامة

  • Returns and salary growth are estimates. Actual results will vary.
  • For education only. Not financial or investment advice.

Tips to Maximize Your 401(k)

  • Contribute at least enough to get the full employer match
  • Aim for 10–15%% of salary; increase by 1%% each year if you can
  • If you're 50+, use catch-up contributions

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