免费401(k)增长预测器
预测您的401(k)账户在退休前的增长趋势，可视化长期储蓄成果。
Projected Balance
$1,258,357
Projected Balance vs Years Until Retirement
公式
## 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.
计算示例
$50,000 current balance, $12,000/year contributions, 50% match up to 6% of $80,000 salary, 7% return, 25 years.
- 01Employer match = min(12000, 4800) x 50% = $2,400/year
- 02Total monthly = (12,000 + 2,400) / 12 = $1,200
- 03Current balance grows: $50,000 to ~$271,400
- 04Contributions grow to ~$912,000
- 05Total projected: ~$1,183,000
常见问题
How much should I contribute to my 401(k)?
At minimum, contribute enough to get the full employer match. Ideally, aim for 15% of salary including the match. The 2024 contribution limit is $23,000 ($30,500 if 50+).
What return should I expect?
The S&P 500 has historically averaged about 10% nominal (7% after inflation). A balanced portfolio might return 6-8%. Use a conservative estimate for planning.
Should I choose Roth or Traditional 401(k)?
If you expect to be in a higher tax bracket in retirement, Roth may be better. If you expect a lower bracket, Traditional saves taxes now. Many people benefit from a mix.
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