Instant calculator
401(k) Match Calculator
Use this 401(k) match calculator to see how much free employer money you may capture based on salary and contribution rules.
How to use
Quick steps
- Enter annual salary, your contribution rate, employer match rate, match applies up to.
- Review the instant answer block and supporting calculations.
- Compare the result with related tools in the same category before making a decision.
Formula
How this calculator works
Employer match = salary x eligible contribution rate x employer match rate
Employers define matches differently. Check your plan documents to confirm the exact formula and vesting schedule.
FAQ
Common questions
How does the 401(k) match calculator work?
It uses Employer match = salary x eligible contribution rate x employer match rate. Enter annual salary, your contribution rate, employer match rate, and match applies up to to generate an instant estimate.
When should I use this 401(k) match calculator?
Estimate the annual value of an employer match.
What should I keep in mind?
Employers define matches differently. Check your plan documents to confirm the exact formula and vesting schedule.