Proyector de Crecimiento de 401(k) — Fórmula

## 401(k) Growth Projection

Your 401(k) grows through three sources: your contributions, employer match, and investment returns.

### Formula

**FV = Current x (1 + r)^n + Monthly x [(1 + r)^n - 1] / r**

### Employer Match

A common match is 50% of your contributions up to 6% of salary. This is essentially free money for retirement.

Ejemplo Resuelto

$50,000 current balance, $12,000/year contributions, 50% match up to 6% of $80,000 salary, 7% return, 25 years.

  1. Employer match = min(12000, 4800) x 50% = $2,400/year
  2. Total monthly = (12,000 + 2,400) / 12 = $1,200
  3. Current balance grows: $50,000 to ~$271,400
  4. Contributions grow to ~$912,000
  5. Total projected: ~$1,183,000