401 (کے) ریٹائرمنٹ کیلکولیٹر

آجر کے ملاپ اور سرمایہ کاری میں اضافے کے ساتھ اپنے متوقع 401 (کے) توازن کا حساب لگاکر اپنی ریٹائرمنٹ کی بچت کا منصوبہ بنائیں۔

آپ کی تفصیلات

ذاتی معلومات

تنخواہ سے متعلق معلومات

$
%

آپ کی شراکت

$
تنخواہ کا ٪٪

آجر کا میچ

%

آجر آپ کی شراکت کے اس ٪ ٪ سے میل کھاتا ہے

تنخواہ کا ٪٪

آجر آپ کی تنخواہ کے اس ٪ ٪ 9 سے میچ کرتا ہے

سرمایہ کاری کی واپسی

%

تاریخی ایس اینڈ پی 500 اوسط: ~ 10 ٪٪ (افراط زر سے پہلے)

2024 IRS شراکت کی حدود

  • • 50 سے کم: سالانہ ، 000 23،000
  • • عمر 50+ :، 30،500 (، 000 23،000 + $ 7،500 کیچ اپ)
  • • عمر 60-63 (2025+): ، 34،250 (، 000 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.

مکمل صارف گائیڈ

401 (کے) کیا ہے؟

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).

شراکت خرابی

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.

اس کیلکولیٹر کو کس طرح استعمال کریں

  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.

اہم نوٹ

  • 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

📤 Share This Tool