US Retirement Calculator (401k) for the year of 2025

Project your retirement account balance by projecting the contributions of both you and your employer to a target date in the future using compound growth rules with monthly withdrawals based on the rule-of-thumb that retirees should withdraw no more than four percent annually from their portfolio, adjusted for inflation.

Pension Parameters

Limite 2025: $23,500 ($31,000 con catch-up 50+)
Your contribution is fully covered by the employer at a rate of 100%.
Yes, that's correct up to a maximum of 3% of salary.
Historic S&P 500 return: ~7% (inflation-adjusted)

Projection to 65 years

Projected Retirement Balance
$1.17M
Monthly Withdrawal (Rule 4% )
$3,905.81/mese
Years to Retirement
35 anni
Employee Contribution/Years of Service
$4,800.00
Match Employer
$2,400.00
Total Contribution per Anno
$7,200.00

Final Balance Composition

Initial Balance: $10.0K
Employee Contributions: $168.0K
Match with Federico Calo$84.0K
Earnings: $909.7K

Year Projection

AgeContribution DepartmentPairingBalance
31$4.8K$2.4K$18.4K
35$4.8K$2.4K$58.3K
40$4.8K$2.4K$126.1K
45$4.8K$2.4K$221.2K
50$4.8K$2.4K$354.5K
55$4.8K$2.4K$541.5K
60$4.8K$2.4K$803.8K
65$4.8K$2.4K$1.17M

Come utilizzare US 401(k) Retirement Calculator 2025

Inserisci il tuo salario e contribuzioni

Indica salario annuo, percentuale di contribuzione dipendente (tipica 6%) e il matching del datore di lavoro.

Configura eta e saldo attuale

Eta attuale, eta di pensionamento (tipica 65) e saldo gia accumulato nel 401(k).

Imposta il tasso di rendimento

Il tasso di rendimento storico dell'S&P 500 e circa 7-10% annuo. Usa 7% come stima conservativa (aggiustata per inflazione).

Analizza la proiezione

Visualizza il saldo proiettato a pensionamento, il totale dei contributi e i guadagni da investimento. La regola del 4% stima il prelievo mensile sostenibile.

Suggerimenti

  • Contribuisci almeno fino al matching del datore: e un rendimento immediato del 50-100% sul tuo investimento.
  • Aumenta la contribuzione dell'1% ogni anno: l'impatto a lungo termine e enorme grazie alla capitalizzazione.
  • Diversifica tra fondi a basso costo (index funds): le spese (expense ratio) elevate possono erodere migliaia di dollari nel tempo.

Domande frequenti

What is a 401(k)?

A 401(k) and defined contribution pension plan offered by American employers. Contributions are either pre-tax (reduce taxable income) or post-tax (Roth 401k). Funds grow tax-free until withdrawal at retirement.

What is the contribution limit for 2025?

For 2025, the limit is $23,500 for employees (employee contributions). Those 50+ can add up to $7,500 catch-up for a total of $31,000. The combined limit (employee + employer) is $70,000.

What is an "employer match" and how does it work?

Employer match equals or partially matches employee contribution. Example: "Up to 3% match" means if you contribute 3%, the employer adds another 3%. Always contribute at least until the match.

What is the 4% rule?

The 4% rule (Bengen, 1994) suggests you can withdraw 4% of your portfolio annually in retirement without depleting funds in 30 years. With a $1M 401k, you can withdraw $40,000/year ($3,333/month).

When can I withdraw from my 401(k) without penalties?

Withdrawals are penalty-free starting at age 59.5. Required Minimum Distributions (RMD) begin at age 73. Early withdrawals are subject to a 10% penalty plus ordinary taxes.