積立、マッチング、成長率を考慮して退職時の401(k)残高を予測。
Common: 100% match up to 3%, 50% match up to 5%
Historical S&P 500 nominal: ~10%; conservative: 6-7%
$1,888,600
$498,812
$1,364,788
$109,739
35
$6,295/mo
2026 IRS limits applied: employee deferral up to $24,500; catch-up $8,000 for age 50+; $11,250 enhanced catch-up for ages 60–63 (SECURE 2.0); total annual addition $72,000. Returns modeled as constant annual compounding; real portfolios vary year to year.
| Category | Limit |
|---|---|
| Employee elective deferral | $24,500 |
| Catch-up contribution (age 50+) | $8,000 |
| Enhanced catch-up (ages 60–63, SECURE 2.0) | $11,250 |
| Total annual addition (employee + employer, IRC §415(c)) | $72,000 |
| Highly Compensated Employee threshold | $160,000 |
Source: IRS Retirement Plan Contribution Limits. Plan document terms can impose additional restrictions.
給与8万ドル、月200ドル（3%）マッチング、年7%リターン：
| 年齢 | 積立合計 | マッチング累計 | 残高 |
|---|---|---|---|
| 40歳 | 6万ドル | 2.4万ドル | 11.68万ドル |
| 50歳 | 12万ドル | 4.8万ドル | 36.64万ドル |
| 60歳 | 18万ドル | 7.2万ドル | 90.1万ドル |
**必ず雇用主のマッチング全額を貰いましょう** — 100%の即時リターンです。2026年上限：23,500ドル（50歳以上は31,000ドル）。
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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A 401(k) calculator is a free retirement planning tool that projects how much your 401(k) account will grow by retirement. Our 401(k) calculator factors in current balance, salary, employee contribution rate, employer match, salary growth, expected investment return, and years to retirement. The 401(k) calculator also shows lifetime tax savings for Traditional contributions and the estimated monthly retirement income from the projected balance.
How it works
Our 401(k) calculator projects how your account grows over time based on your salary, contributions, employer match, and expected return.
Choose Traditional for pre-tax contributions and a tax break now, or Roth for after-tax contributions and tax-free withdrawals later. The 401(k) calculator applies the matching tax treatment throughout the projection.
Type your current age and the age you plan to retire. The 401(k) calculator uses the difference as the projection horizon.
Type your current annual salary, current 401(k) balance, your contribution percentage, and your employer's match rate and cap. The 401(k) calculator caps your contribution at the IRS elective deferral limit and applies the 415(c) annual addition limit.
Enter expected annual salary growth (3% is typical) and expected annual return on investments (7% is a common conservative estimate; 10% matches historical S&P 500). The 401(k) calculator models these as constant rates for simplicity.
The 401(k) calculator shows your projected balance at retirement, total contributions, total investment growth, lifetime tax savings (Traditional), and an estimated monthly income using the 4% safe-withdrawal rule.
Project retirement savings and check if you are on track.
Project Traditional and Roth IRA growth to retirement with side-by-side tax comparison.
Project tax-free Roth IRA growth up to the annual contribution limit with MAGI phase-outs.
Estimate your Social Security retirement benefit at age 62, full retirement age, or 70.
Compute your Required Minimum Distribution using the IRS Uniform Lifetime Table.
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