401(k) 퇴직 계산기

고용주 매칭 및 투자 성장과 함께 예상 401(k) 잔액을 계산하여 은퇴 저축을 계획하세요.

귀하의 세부 정보

개인정보

급여정보

$
%

귀하의 기여

$
급여의 %

고용주 매치

%

고용주가 기여금의 %와 일치합니다.

급여의 %

고용주는 급여의 %까지 매칭합니다.

투자 수익

%

과거 S&P 500 평균: ~10%(인플레이션 전)

2024년 IRS 기부 한도

  • • 50세 미만: 연간 $23,000
  • • 50세 이상: $30,500($23,000 + 보충 $7,500)
  • • 60~63세(2025년 이상): $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.

전체 사용자 가이드

401(k)란 무엇입니까?

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).

기여 내역

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.

이 계산기를 사용하는 방법

  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.

중요 사항

  • 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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