Kalkulator Emerytalny 401(k)
Oszacuj wzrost oszczędności emerytalnych 401(k).
How the 401(k) Kalkulator Works
This Kalkulator projects your 401(k) balance at retirement based on your current balance, annual contributions, employer match, and expected rate of return.
It uses compound interest: each year, your total balance (existing + new contributions) grows by the annual return rate.
The formula accounts for your contribution, employer match (up to the match limit), and compound growth over your working years.
Understanding Employer Match
Many employers match a percentage of your 401(k) contributions. A common match is 50% of your contributions up to 6% of salary.
Example: If you earn $75,000 and contribute 10% ($7,500), your employer matches 50% of the first 6% ($4,500 × 50% = $2,250).
Always contribute at least enough to get the full employer match — it's essentially free money.
401(k) Contribution Limits
For 2026, the IRS limits are:
- Under 50: $23,500 employee contribution
- 50 and over: Additional $7,500 catch-up contribution
- Total (employee + employer): $70,000
These limits are adjusted annually for inflation. Maximizing contributions can significantly boost your retirement savings.
Często Zadawane Pytania
How much should I contribute to my 401(k)?
Financial advisors recommend saving 10-15% of your salary for retirement. At minimum, contribute enough to get your full employer match.
What is a good rate of return for 401(k)?
Historically, a diversified portfolio averages 7-10% annually before inflation. A conservative estimate of 6-7% is commonly used for projections.
When can I withdraw from my 401(k)?
You can withdraw penalty-free at age 59½. Early withdrawals typically incur a 10% penalty plus income taxes. Required minimum distributions start at age 73.
"Contributions to a 401(k) plan reduce your taxable income in the year they are made and grow tax-deferred until withdrawal. Employees who contribute at least enough to capture the full employer match are effectively receiving additional tax-advantaged compensation."