401(k) Match Calculator
Enter your salary, contribution percentage, and your employer's match formula to see how much extra your employer adds to your retirement savings each year.
Annual Employer Match
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Your Annual Contribution—
Employer Match Amount—
Total Annual Contribution—
About this calculator
Calculate how much free money your employer contributes to your 401(k) based on your salary, contribution rate, and your employer's matching formula.
Frequently Asked Questions
What is a 401(k) match?
A 401(k) match is money your employer contributes to your retirement account based on how much you personally contribute, up to a certain limit.
Is employer match free money?
Yes, employer matching contributions are essentially free money added to your retirement savings, though they may be subject to a vesting schedule.
What if I contribute more than the match limit?
Contributions above the employer's match limit still grow tax-advantaged, but the employer won't match the excess portion.