算一个比较乐观的例子 - borisg发表于 我爱我家 - 论坛 | 文学城
假定1990年，起始工资25K， 每年20% 放401K，工资平均涨幅5%, 401K年化收益率7%，到2025年（底），401k 的余额确实有1.4M。
| 工资 | 401K 投入额 | 2025 401K余额 | |
| 1990 | 25,000.00 | 5,000.00 | 53,382.91 |
| 1991 | 26,250.00 | 5,250.00 | 52,385.10 |
| 1992 | 27,562.50 | 5,512.50 | 51,405.94 |
| 1993 | 28,940.63 | 5,788.13 | 50,445.08 |
| 1994 | 30,387.66 | 6,077.53 | 49,502.18 |
| 1995 | 31,907.04 | 6,381.41 | 48,576.90 |
| 1996 | 33,502.39 | 6,700.48 | 47,668.92 |
| 1997 | 35,177.51 | 7,035.50 | 46,777.92 |
| 1998 | 36,936.39 | 7,387.28 | 45,903.56 |
| 1999 | 38,783.21 | 7,756.64 | 45,045.55 |
| 2000 | 40,722.37 | 8,144.47 | 44,203.58 |
| 2001 | 42,758.48 | 8,551.70 | 43,377.34 |
| 2002 | 44,896.41 | 8,979.28 | 42,566.55 |
| 2003 | 47,141.23 | 9,428.25 | 41,770.92 |
| 2004 | 49,498.29 | 9,899.66 | 40,990.15 |
| 2005 | 51,973.20 | 10,394.64 | 40,223.98 |
| 2006 | 54,571.86 | 10,914.37 | 39,472.13 |
| 2007 | 57,300.46 | 11,460.09 | 38,734.33 |
| 2008 | 60,165.48 | 12,033.10 | 38,010.33 |
| 2009 | 63,173.75 | 12,634.75 | 37,299.85 |
| 2010 | 66,332.44 | 13,266.49 | 36,602.66 |
| 2011 | 69,649.06 | 13,929.81 | 35,918.50 |
| 2012 | 73,131.52 | 14,626.30 | 35,247.12 |
| 2013 | 76,788.09 | 15,357.62 | 34,588.30 |
| 2014 | 80,627.50 | 16,125.50 | 33,941.79 |
| 2015 | 84,658.87 | 16,931.77 | 33,307.36 |
| 2016 | 88,891.82 | 17,778.36 | 32,684.80 |
| 2017 | 93,336.41 | 18,667.28 | 32,073.87 |
| 2018 | 98,003.23 | 19,600.65 | 31,474.35 |
| 2019 | 102,903.39 | 20,580.68 | 30,886.05 |
| 2020 | 108,048.56 | 21,609.71 | 30,308.74 |
| 2021 | 113,450.99 | 22,690.20 | 29,742.22 |
| 2022 | 119,123.54 | 23,824.71 | 29,186.29 |
| 2023 | 125,079.71 | 25,015.94 | 28,640.75 |
| 2024 | 131,333.70 | 26,266.74 | 28,105.41 |
| 2025 | 137,900.38 | 27,580.08 | 27,580.08 |
| 累计 | 2,395,908.07 | 479,181.61 | 1,408,031.51 |
