401(k) Calcolatore della pensione

Pianifica i tuoi risparmi previdenziali calcolando il saldo 401 (k) previsto con l'abbinamento del datore di lavoro e la crescita degli investimenti.

I tuoi dettagli

Informazioni personali

Informazioni sullo stipendio

$
%

I tuoi contributi

$
% dello stipendio

Partita del datore di lavoro

%

Il datore di lavoro corrisponde a questo % del tuo contributo

% dello stipendio

Il datore di lavoro corrisponde fino a questo % del tuo stipendio

Rendimenti degli investimenti

%

Media storica S&P 500: ~10% (prima dell'inflazione)

Limiti di contributo IRS 2024

  • • Sotto i 50 anni: $ 23.000 all'anno
  • • Età 50+: $ 30.500 ($ 23.000 + $ 7.500 di recupero)
  • • Età 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.

Guida per l'utente completa

Cos'è 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).

Ripartizione dei contributi

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.

Come utilizzare questa calcolatrice

  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.

Note importanti

  • 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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