401(k) 계산기

사용 방법

1. 1
   항목 입력

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2. 2
   결과 보기

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3. 3
   활용하기

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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.

풀이 예시

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.

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결과를 믿기 전에 모든 항목을 확인하세요. 숫자 하나만 틀려도 전체 답이 바뀝니다. 급여명세서, 청구서, 증명서, 계약서에 있는 정확한 숫자를 사용하고 계산한 날짜를 기록해 두세요. 세율, 기준, 규정은 수시로 바뀌므로 세금, 수수료, 법률 관련 사항은 결과를 추정치로 보고 이 페이지에 명시된 공식 출처와 대조하세요. 시나리오는 얼마든지 시도할 수 있습니다. 아무것도 저장되거나 전송되지 않으며 페이지를 새로 고치면 입력이 지워집니다.