401K Calculator
以下详细说明暂以英文提供。
Never leave the match behind
An employer match is an immediate, guaranteed return: saving 6% of a $60,000 salary with a 50% match up to 6% means $3,600 from you and $1,800 from your employer every year. The calculator splits your ending balance into the three sources so you can see how much of the pot your employer and the market added. If the summary says you are below the cap, every extra percent of pay you defer is partly matched.
常见问题
How is the match modeled here?
The employer adds matchPct% of your salary for every percent of pay you defer, up to matchCapPct% of salary. For example, "50% of the first 6%" is match 50, cap 6 — if you defer 6%, the employer adds 3% of pay.
Are taxes and contribution limits included?
No. Traditional 401(k) contributions reduce taxable income now and are taxed on withdrawal; Roth 401(k) money is taxed up front. IRS dollar limits change yearly and can cap very high savers — the projection here is a planning model, not tax advice.