Calculadora de Previdência Privada Online Grátis
401k growth with employer match, tax-deferred compounding & withdrawal projections
The 401(k) Calculator projects your retirement account balance by modeling your contributions, employer match, investment growth, and tax-deferred compounding over your working years. It shows how much your account will be worth at retirement and estimates sustainable monthly withdrawal income.
Frequently Asked Questions
Sobre Esta Calculadora
A 401(k) is the most powerful retirement savings vehicle available to most American workers, primarily because of two features: employer matching (essentially a 100% instant return on matched contributions) and tax-deferred growth (no tax on gains until withdrawal, allowing the full pre-tax amount to compound for decades).
The employer match is universally described as free money — contributing at least enough to capture the full match is the single highest-return financial decision most employees can make. For a $100,000 salary with a 4% match, failing to contribute $4,000 means leaving $4,000 of compensation on the table annually.
This calculator models the full accumulation phase: annual contributions (with catch-up contributions for those over 50), employer match, and investment growth at a selected expected rate of return. The withdrawal projection uses the 4% safe withdrawal rate to estimate sustainable monthly income in retirement — the key number for retirement readiness planning.
Projete a aposentadoria baseada em contribuições mensais isentas de imposto até a retirada.
Exemplo Resolvido
Projecting 401(k) balance for a 32-year-old planning to retire at 65
Entradas:
- Current age: 32 | Retirement age: 65 | Years to grow: 33
- Current salary: $85,000 | Employee contribution: 6% ($425/month)
- Employer match: 50% of first 6% → adds $212.50/month
- Total monthly contribution: $637.50
- Expected annual return: 7%
Passo a Passo:
- Annual contribution (employee + employer): $637.50 × 12 = $7,650/year
- FV of $7,650/year at 7% for 33 years: $7,650 × [(1.07^33 − 1) / 0.07] = $7,650 × 118.93 = $909,815
- If current balance is $18,000: FV = $18,000 × 1.07^33 = $18,000 × 9.325 = $167,850
- Total projected balance: $909,815 + $167,850 = $1,077,665
- 4% safe withdrawal rate: $1,077,665 × 0.04 / 12 = $3,592/month in retirement income
Dicas
- Always contribute at least enough to get the full employer match — it's free money with 100% instant return.
- Tax-deferred growth means you pay taxes on withdrawal, not during accumulation.