401(k)計算

使い方

1. 1
   項目を入力

   数値を入力するか、必要なオプションを選びます。

2. 2
   結果を見る

   値を変えるとすぐに答えが更新されます。

3. 3
   活用する

   結果をコピーするか書き留めてください。何もどこにも送信されません。

About this tool

Enter your salary, your contribution and your employer match as a percent of pay, your current balance, years to retirement, expected return and yearly pay raise. The calculator adds contributions each year and compounds the balance to show the total at retirement. Figures are for the 2026 tax year and can change. A guide only, check irs.gov or a tax professional.

How it is calculated

Each year the tool adds your contribution and the employer match, both as a share of that year's pay, and grows the balance by the expected return. Pay rises by the raise rate each year. Contributions are assumed to arrive evenly through the year.

Example

On $80,000, with 8 percent saved and a 4 percent match, a $20,000 start and 7 percent return, the balance after 30 years is above $1.6 million, before inflation.

Limits and tips

The 2026 employee deferral limit is $24,500, with extra catch-up contributions from age 50. Always capture the full employer match first, because it is an immediate return. Results are in future dollars and inflation reduces what they buy.

計算例

With the boxes at their starting values (Current yearly salary ($): 80000; Your contribution (% of pay): 8; Employer match (% of pay): 4; Current balance ($): 20000; Years until retirement: 30; Expected return per year (%): 7), the tool shows: Your contributions ($): 304,483; Employer contributions ($): 152,241; Investment growth ($): 963,473; Total saved in the first year ($): 9,600; Projected balance ($): 1,440,197. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.

最良の結果を得るためのヒント

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