Calculadora de Previdência Privada 401(k) — 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:

  • PV = Current balance
  • PMT = Annual contribution + employer match
  • r = Annual rate of return
  • n = Years until retirement

    • 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.

    1. Employer match = $85,000 × 6% × 50% = $2,550/yr
    2. Total annual = $19,500 + $2,550 = $22,050
    3. Current balance growth = $50,000 × (1.07)^25 = $271,372
    4. Contribution growth = $22,050 × [(1.07)^25 − 1] / 0.07 = $1,393,751
    5. Projected balance = $271,372 + $1,393,751 = $1,665,123