401(k) 退職金計算ツール

雇用主のマッチングと投資の増加を考慮して 401(k) の予想残高を計算し、退職後の貯蓄を計画します。

あなたの詳細

個人情報

給与情報

$
%

あなたの貢献

$
給与の%

雇用主のマッチング

%

雇用主はあなたの寄付金のこの % に相当します

給与の%

雇用主はあなたの給与のこの % に相当します

投資収益率

%

過去の S&P 500 平均: ~10% (インフレ前)

2024 年の IRS 拠出限度額

  • • 50歳未満：年間23,000ドル
  • • 50 歳以上: $30,500 ($23,000 + $7,500 の追加料金)
  • • 60 ～ 63 歳 (2025 年以降): $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.

完全なユーザーガイド

401(k)とは何ですか?

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).

貢献の内訳

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.

この計算機の使い方

  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.

重要な注意事項

  • 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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