401(k) Emeklilik Hesaplayıcı
401(k) emeklilik birikimlerinizin büyümesini tahmin edin.
Nasıl the 401(k) Hesaplayıcı Works
This hesaplayıcı projects Sizin 401(k) balance at emeklilik temeline göre Sizin current balance, yıllık contributions, employer match, and expected oran of getiri.
It uses bileşik faiz: each yıl, Sizin toplam balance (existing + new contributions) grows by the yıllık getiri oran.
The formül accounts for Sizin contribution, employer match (up to the match limit), and bileşik growth over Sizin working yıl.
Understanding Employer Match
Many employers match a yüzde of Sizin 401(k) contributions. A common match is 50% of Sizin contributions up to 6% of salary.
Example: If you earn $75,000 and contribute 10% ($7,500), Sizin 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 para.
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 yıllık for enflasyon. Maximizing contributions can significantly boost Sizin emeklilik tasarruf.
Sık Sorulan Sorular
Nasıl much should I contribute to my 401(k)?
Financial advisors recommend tasarruf 10-15% of Sizin maaş for emeklilik. At minimum, contribute enough to get Sizin full employer match.
Ne is a good oran of getiri for 401(k)?
Historically, a diversified portföy averages 7-10% yıllık önce enflasyon. A conservative estimate of 6-7% is commonly used for projections.
Ne zaman can I withdraw from my 401(k)?
You can withdraw penalty-free at yaş 59½. Early withdrawals typically incur a 10% penalty plus gelir taxes. Required minimum distributions start at yaş 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."