按 2026 年 IRS 限额 $23,500（含 50+ catch-up $7,500），加上雇主匹配和税延复利，估算你的退休账户余额。
常见：100% 匹配至 3%，50% 匹配至 5%
历史 S&P 500 名义回报：约 10%；保守：6-7%
$1,888,600
$498,812
$1,364,788
$109,739
35
$6,295/mo
2026 IRS 限额已应用：员工自主供款上限 $24,500；50+ 岁追加 $8,000；60–63 岁增强追加 $12,000（SECURE 2.0）；年度总供款 $72,000。回报按固定年复利建模；实际投资组合逐年波动。
| 类别 | 限额 |
|---|---|
| 员工自主供款 | $24,500 |
| 追加供款（50 岁以上） | $8,000 |
| 增强追加供款（60–63 岁，SECURE 2.0） | $12,000 |
| 年度总供款（员工 + 雇主，IRC §415(c)） | $72,000 |
| 高薪员工门槛 | $160,000 |
来源：IRS 退休计划供款限额。计划文件条款可能施加额外限制。
30 岁开始，假设年薪 $80,000、雇主 100% 匹配 3%（$200/月）、年化收益 7%：
| 年龄 | 个人累计供款 | 雇主匹配累计 | 投资增长 | 账户余额 |
|---|---|---|---|---|
| 40 | $60,000 | $24,000 | $32,800 | $116,800 |
| 50 | $120,000 | $48,000 | $198,400 | $366,400 |
| 60 | $180,000 | $72,000 | $649,000 | $901,000 |
数据基于月供 $500 + 雇主 $200、年化收益 7%。**抓住全部雇主匹配是首要原则**——不拿等于丢掉 100% 回报。50+ catch-up 供款可再增加 $7,500/年（2026）。
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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