Calculadora de Previdência Privada 401(k) Grátis
Simule o crescimento do seu plano 401(k) ao longo dos anos. Considere contribuições, contrapartida do empregador e rendimentos.
Projected 401(k) Balance
$1,666,013
Projected 401(k) Balance vs Years Until Retirement
Formula
How the 401(k) Calculator Works
This calculator projects your retirement savings using compound growth on both your existing balance and future contributions.
Formula
FV = PV × (1 + r)^n + PMT × [(1 + r)^n − 1] / r
Where:
Employer match is calculated as: Salary × Match Limit % × Match Rate %.
Exemplo Resolvido
$50,000 current balance, $19,500/yr contribution, 50% employer match up to 6% of an $85,000 salary, 7% return, 25 years.
- 01Employer match = $85,000 × 6% × 50% = $2,550/yr
- 02Total annual = $19,500 + $2,550 = $22,050
- 03Current balance growth = $50,000 × (1.07)^25 = $271,372
- 04Contribution growth = $22,050 × [(1.07)^25 − 1] / 0.07 = $1,393,751
- 05Projected balance = $271,372 + $1,393,751 = $1,665,123
Perguntas Frequentes
What is the 401(k) contribution limit?
For 2026, the employee contribution limit is $23,500 (under age 50) or $31,000 (age 50+). Employer matching contributions do not count toward this limit.
How does employer matching work?
A common match is 50% of your contributions up to 6% of salary. If you earn $85,000 and contribute at least 6% ($5,100), your employer adds $2,550. Always contribute enough to get the full match.
Should I use pre-tax or Roth 401(k)?
Pre-tax 401(k) reduces taxable income now but is taxed at withdrawal. Roth 401(k) uses after-tax dollars but grows and is withdrawn tax-free. Choose based on whether you expect higher taxes now or in retirement.
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