Calculadora de jubilació 401(k).

Planifiqueu els vostres estalvis per a la jubilació calculant el saldo previst de 401 (k) amb la concordança de l'empresari i el creixement de la inversió.

Els teus detalls

Informació personal

Informació salarial

$
%

Les vostres aportacions

$
% del salari

Partit de l'empresari

%

L'empresari iguala aquest % de la teva contribució

% del salari

L'empresari coincideix amb aquest % del vostre sou

Rendiments de la inversió

%

Mitjana històrica de l'S&P 500: ~10% (abans de la inflació)

Límits de contribució de l'IRS de 2024

  • • Menors de 50 anys: 23.000 dòlars anuals
  • • Més de 50 anys: 30.500 $ (23.000 $ + 7.500 $ de recuperació)
  • • Edat 60-63 (2025+): 34.250 $ (23.000 $ + 11.250 $)

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

Guia d'usuari completa

Què és un 401(k)?

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).

Desglossament de la contribució

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.

Com utilitzar aquesta calculadora

  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.

Notes importants

  • 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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