401(k) सेवानिवृत्ति कैलकुलेटर
नियोक्ता मिलान और निवेश वृद्धि के साथ अपने अनुमानित 401(k) शेष की गणना करके अपनी सेवानिवृत्ति बचत की योजना बनाएं।
आपका विवरण
2024 आईआरएस योगदान सीमाएँ
- • 50 से कम: $23,000 सालाना
- • आयु 50+: $30,500 ($23,000 + $7,500 कैच-अप)
- • आयु 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.
सेवानिवृत्ति पर अनुमानित संतुलन
$0
में 0 साल
मासिक सेवानिवृत्ति आय
$0
4% नियम का उपयोग करना
अंशदान टूटना
आपका योगदान
$0
नियोक्ता मिलान
$0
निवेश लाभ
$0
आय प्रतिस्थापन
0%
आप मुफ़्त पैसे खो रहे हैं!
401(k) बैलेंस ग्रोथ
आपका पैसा कहां से आता है
वर्ष-दर-वर्ष प्रक्षेपण
| आयु | वेतन | आपका योगदान | नियोक्ता मिलान | लाभ | संतुलन |
|---|
संपूर्ण उपयोगकर्ता मार्गदर्शिका
401(k) क्या है?
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).
अंशदान टूटना
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.
इस कैलकुलेटर का उपयोग कैसे करें
- Enter your current age and planned retirement age
- Enter annual salary and expected salary increase %
- Add current 401(k) balance and your contribution % (and check catch-up if 50+)
- Set employer match rate and limit (% of salary they match up to)
- 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.
महत्वपूर्ण नोट्स
- 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