Calculadora 401(k)

401(k) Calculator: plan your retirement savings

A 401(k) is a tax-advantaged retirement savings plan offered by many American employers. Contributions are made from your pre-tax salary, which means you reduce your taxable income for the year while building a retirement nest egg. For 2025, the IRS contribution limit is $23,500 for employees under 50, and $31,000 for those 50 and older (which includes a $7,500 catch-up contribution). Your money grows tax-deferred until withdrawal in retirement, when it is taxed as ordinary income.

Many employers offer a matching contribution, which is essentially free money for your retirement. A common match formula is 50% of your contributions up to 6% of your salary. This means if you earn $60,000 and contribute 6% ($3,600), your employer adds $1,800. Not contributing enough to get the full employer match is one of the most common financial mistakes workers make. Our calculator shows exactly how much your employer match contributes to your total balance over time.

The 4% rule is a widely used guideline for retirement withdrawals. It suggests that you can withdraw 4% of your portfolio in the first year of retirement and adjust for inflation each subsequent year, with a high probability of your money lasting at least 30 years. For example, a $1,000,000 portfolio would support approximately $40,000 per year ($3,333 per month) in retirement income. While not a guarantee, it provides a useful benchmark for estimating how much you need to save.

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