401(k) Calculator Scenarios and Practical Examples
Explore worked examples and comparative analyses demonstrating how employer matching formulas, elective contribution rates, compounding horizons, and annual return assumptions shape your retirement balance.
企業マッチング
企業マッチング拠出が401(k)の資産拡大に与える影響
会社によるマッチング拠出が毎年の積立額を底上げし、複利効果によって数十年間で大きな差を生む仕組みを検証します。
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拠出率の比較
拠出率の違いによる401(k)将来資産の比較
給与の3%〜15%を積み立てるケースを比較し、拠出率のわずかな引き上げが退職時の受取額をどれほど拡大するかを試算します。
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期間と利回り
運用期間と想定利回りがもたらす401(k)の複利効果
25歳から開始した場合と35歳・45歳から開始した場合の比較や、保守的から積極的までの利回り別シミュレーションを提示します。
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How 401(k) Retirement Projections Work
A defined-contribution 401(k) plan builds wealth through three compounding drivers: regular employee payroll deductions, company matching contributions, and long-term investment growth. Our scenarios model these variables using the exact mathematical engine of our 401(k) Calculator:
- •Elective Deferral Cap: Employee contributions are subject to statutory annual limits ($24,500 for the 2026 tax year).
- •Employer Matching Formula: Matches are modeled as a percentage of salary matched up to a specified percentage cap (e.g., 50% match up to 6% of pay).
- •Beginning-of-Year Compounding: Contributions occur throughout the year and are assumed to compound alongside the annual investment return rate.
- •Nominal Pre-Tax Values: Projections represent pre-tax, nominal account balances before future retirement distributions, taxes, or inflation erosion.
401(k)の将来資産額をシミュレーションしてみませんか？
無料の401(k)計算機を使って、現在の年収、拠出割合、企業マッチング条件、目標退職年齢に応じた受取総額を試算できます。
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Related reading: How Much Will My 401(k) Be Worth at Age 65?