07 401k-Calculator

401(k) Savings Calculator
Using This Worksheet

401(k) Plan Assumptions Summary of Results Taxes and IRS Contribution Limits are
Current Age 35 Years to Invest 30 NOT factored into the calculations. You must
Age at Retirement 65 check to ensure that you are not contributing
Balance and Salary Future Value more than the 401(k) Limit.
Current 401(k) Balance $ - Estimated Value After 30 Years $ 654,643
Current Annual Salary $ 50,000 Ending Salary $ 88,792
Annual Increase in Salary 2.0% Set Chart Y-Axis to a Fixed Value
Contributions Total Contributions When making comparisons using the graph,
% of Salary to Contribute 10.00% Your Contributions $ 202,840 it helps to set the y-axis on the chart to some
Employer Match 50.0% Employer Contributions $ 60,852 maximum $ amount. Right-click on the $ axis, select
Max Employee % Contribution 6.0% Total Contributions $ 263,693 Format Axis, go to the Scale tab, uncheck the box
. next to Maximum, and set the max value.
Return
Annual Rate of Return 6.00%
Payments Per Year 12
$700,000
Balance 0.00
$600,000
My[42]
Contribution Random Rates Off .
$500,000
Total Contribution Min -4.00%
$400,000 Max 10.00%
$300,000
Average 6.00%
$200,000
(Press F9 to Recalculate)
$100,000
$-
20 25 30 35 40 45 50 55 60 65 70
Age
[42]
Annual Employer My Total
Year Age Rate Salary Interest Balance
Contribution Contribution Contribution Contribution
$ -
1 35 6.00% 50,000 5,000 1,500 181.76 6,681.76 5,000 6,500
2 36 6.00% 51,000 5,100 1,530 597.51 13,909.28 10,100 13,130
3 37 6.00% 52,020 5,202 1,561 1,047.00 21,718.88 15,302 19,893
4 38 6.00% 53,060 5,306 1,592 1,532.46 30,149.19 20,608 26,790
5 39 6.00% 54,122 5,412 1,624 2,056.28 39,241.28 26,020 33,826
6 40 6.00% 55,204 5,520 1,656 2,621.00 49,038.80 31,541 41,003
7 41 6.00% 56,308 5,631 1,689 3,229.30 59,588.16 37,171 48,323
8 42 6.00% 57,434 5,743 1,723 3,884.06 70,938.67 42,915 55,789
9 43 6.00% 58,583 5,858 1,757 4,588.31 83,142.77 48,773 63,405
10 44 6.00% 59,755 5,975 1,793 5,345.29 96,256.16 54,749 71,173
11 45 6.00% 60,950 6,095 1,828 6,158.44 110,338.06 60,844 79,097
12 46 6.00% 62,169 6,217 1,865 7,031.41 125,451.40 67,060 87,179
13 47 6.00% 63,412 6,341 1,902 7,968.09 141,663.06 73,402 95,422
14 48 6.00% 64,680 6,468 1,940 8,972.60 159,044.10 79,870 103,831
15 49 6.00% 65,974 6,597 1,979 10,049.32 177,670.03 86,467 112,407
16 50 6.00% 67,293 6,729 2,019 2,336.00 188,754.18 93,196 121,155
17 51 6.00% 68,639 6,864 2,059 11,891.47 209,568.75 100,060 130,078
18 52 6.00% 70,012 7,001 2,100 13,180.25 231,850.57 107,062 139,180
19 53 6.00% 71,412 7,141 2,142 14,559.64 255,693.81 114,203 148,464
20 54 6.00% 72,841 7,284 2,185 16,035.43 281,198.52 121,487 157,933
21 55 6.00% 74,297 7,430 2,229 17,613.80 308,470.97 128,917 167,592
22 56 6.00% 75,783 7,578 2,273 19,301.31 337,624.11 136,495 177,443
23 57 6.00% 77,299 7,730 2,319 21,104.92 368,777.90 144,225 187,492
24 58 6.00% 78,845 7,884 2,365 23,032.04 402,059.78 152,109 197,742
25 59 6.00% 80,422 8,042 2,413 25,090.52 437,605.14 160,151 208,197
26 60 6.00% 82,030 8,203 2,461 27,288.73 475,557.81 168,355 218,861
27 61 6.00% 83,671 8,367 2,510 29,635.53 516,070.56 176,722 229,738
28 62 6.00% 85,344 8,534 2,560 32,140.35 559,305.67 185,256 240,833
29 63 6.00% 87,051 8,705 2,612 34,813.20 605,435.53 193,961 252,150
30 64 6.00% 88,792 8,879 2,664 37,664.72 654,643.24 202,840 263,693
#N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A
Tracking 401(k) Rate of Return Note: For illustrative and educational purposes only.
My Employer Value Cumulative

My
Contribution
Employer Total Personal Fund
Total Performance
Gain Change in % Using This Worksheet
Date Contribution Contribution (Balance) Contribution Contribution Contribution Gain(Loss) (Loss) Gain(Loss) Change See the help worksheet for specific instructions.
Begin: 31-Dec-08 826.00 413.00 1250.00 826.00 413.00 1239.00 424.00 11.00
S 31-Jan-09 134.00 67.00 1545.64 960.00 480.00 1440.00 585.64 105.64 94.64 7.6%
T 28-Feb-09 134.00 67.00 1694.69 1094.00 547.00 1641.00 600.69 53.69 (51.95) -3.4%
A 31-Mar-09 134.00 67.00 1866.77 1228.00 614.00 1842.00 638.77 24.77 (28.92) -1.7%
T 30-Apr-09 134.00 67.00 2052.84 1362.00 681.00 2043.00 690.84 9.84 (14.93) -0.8%
E 31-May-09 200.00 100.00 2359.15 1562.00 781.00 2343.00 797.15 16.15 6.31 0.3%
M 30-Jun-09 134.00 67.00 2475.13 1696.00 848.00 2544.00 779.13 (68.87) (85.02) -3.6%
E #N/A #N/A #N/A - - - -
N #N/A #N/A #N/A - - - -
T #N/A #N/A #N/A - - - -
S #N/A #N/A #N/A - - - -
Insert new rows above this one
Personal ROI: 45.9%
Portfolio ROI: -2.7%
$3,000 Company Match

Your Contributions
$2,500 VALUE
$2,000
$1,500
$1,000
$500
$-
Dec-08 Jan-09 Feb-09 Mar-09 Apr-09 May-09 Jun-09
HELP
About This Template

General help information for how to use each calculator is provided on the right side of
each worksheet. Specific help information for cells is provided via cell comments.
Balance Worksheet Instructions
Only edit the cells with the gray background (B6:E16).
1. Enter your beginning statement balance and totals in cells B6-E6

2. At the end of each month, enter your statement date, contributions, and balance in
columns B-E (the cells with the gray backgrounds)
3. To insert a new row, copy an existing row and insert it above the row labeled
"Insert new rows above this one".
Example: Right-click on Row15, select copy, then right-click on Row15 again and
select Insert Copied Cells

07 401k-Calculator

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07 401k-Calculator

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401(k) Savings Calculator

Using This Worksheet

My Employer Value Cumulative

$3,000 Company Match

About This Template

1. Enter your beginning statement balance and totals in cells B6-E6

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