🏦 401(k) 退休账户计算器401(k) Calculator
按年龄、工资、缴费比例、雇主配比和预期收益率，估算 401(k) 账户退休时的余额，按 2026 年 IRS 缴费上限（24,500 美元，50 岁以上补缴 8,000，60–63 岁 11,250）自动封顶，并给出逐年明细。Project your 401(k) balance at retirement from age, salary, contribution rate, employer match and expected return. Employee deferrals are capped at the 2026 IRS limits ($24,500, +$8,000 catch-up at 50+, +$11,250 at ages 60–63), with a year-by-year table.
使用说明与常见问题How-to & FAQ
「401(k) 退休账户计算器」是什么？What is the 401(k) Calculator tool?
按年龄、工资、缴费比例、雇主配比和预期收益率，估算 401(k) 账户退休时的余额，按 2026 年 IRS 缴费上限（24,500 美元，50 岁以上补缴 8,000，60–63 岁 11,250）自动封顶，并给出逐年明细。Project your 401(k) balance at retirement from age, salary, contribution rate, employer match and expected return. Employee deferrals are capped at the 2026 IRS limits ($24,500, +$8,000 catch-up at 50+, +$11,250 at ages 60–63), with a year-by-year table.
如何使用「401(k) 退休账户计算器」？How do I use the 401(k) Calculator tool?
在「401(k) 退休账户计算器」中，填写「当前年龄」、「退休年龄」、「年薪（美元）」、「当前余额」、「个人缴费比例 %」等参数，结果会随输入实时计算并显示在下方。In the 401(k) Calculator: Fill in "Current age", "Retirement age", "Annual salary ($)", "Current balance", "Your contribution %"; results are recalculated instantly as you type.
2026 年的 401(k) 缴费上限是多少？What are the 2026 401(k) limits?
按 IRS 2025 年 11 月公布的 2026 年数值：个人延迟缴费上限 24,500 美元；50 岁及以上可额外补缴 8,000 美元；当年满 60–63 岁的参与者补缴上限为 11,250 美元。是否满足年龄按当年 12 月 31 日的年龄判断（IRS 规则），所以本工具中“当前年龄”指第一年年初的年龄，该年年末满 50 岁的那一年起就计入补缴。雇主配比不占个人上限（另有 72,000 美元的合计上限，本工具未计）。Per the IRS announcement of November 2025 for 2026: the employee deferral limit is $24,500; participants 50 or older can add an $8,000 catch-up, and those turning 60–63 in the year an $11,250 catch-up. Eligibility uses the age you reach by December 31 (IRS rule), so 'Current age' here is your age at the start of the first year and catch-up applies from the year you turn 50. Employer match does not count toward your deferral limit (a separate $72,000 combined limit applies and is not modelled here).
计算假设是什么？What assumptions are used?
每年年末一次性计入当年的个人缴费和雇主配比，余额按固定年收益率复利增长；工资按增长率逐年上调；未扣除管理费和税。默认的收益率 6%、工资增长 3%、配比 50%/上限 6% 只是示例值，请换成你自己的计划条款和假设。实际收益会波动，结果仅供规划参考。Each year's contributions and match are added at year end, and the balance compounds at a fixed annual return; salary rises by the growth rate; fees and taxes are not deducted. The default 6% return, 3% salary growth and 50% match up to 6% are example defaults only; replace them with your plan's terms and your own assumptions. Real returns vary, so treat the result as a planning estimate.
雇主配比怎么算？How is the employer match calculated?
配比 = 工资 × min(个人缴费比例, 配比上限) × 配比比例。例如“50% 配比、上限 6%”：你缴 10% 时，雇主按 6% 工资的一半，即工资的 3% 配比。Match = salary × min(your contribution %, match limit %) × match %. With a 50% match up to 6%, contributing 10% earns 3% of salary from the employer.
计算结果可以作为最终依据吗？Can I rely on the result?
「401(k) 退休账户计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The 401(k) Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「401(k) 退休账户计算器」免费吗？需要注册吗？Is the 401(k) Calculator free? Do I need an account?
「401(k) 退休账户计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The 401(k) Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.