401(k) Employer Match Calculator
Your employer match is free money — the most valuable return you will ever get. This calculator shows what your company adds at your current contribution rate and what you leave unclaimed if you contribute too little.
How this calculator works
Most plans match a percentage of what you contribute, up to a cap. The classic formula is 50% of your contributions up to 6% of pay — contributing 6% earns you a full 3% match from your employer. The calculator applies your plan's match rate to the portion of your contributions within the cap, then reports your total (your contribution plus employer match) and any match you are missing by contributing below the cap. Missing the match is leaving a 50–100% return on the table.
Frequently asked questions
What is the most common match structure?
The most common is 50% of contributions up to 6% of pay (a 3% max match). Others offer dollar-for-dollar on the first 3% plus 50% on the next 2%. Check your plan's summary plan description for the exact formula.
When does the match vest?
Employer matches may vest over time — commonly 20% per year over five years, or fully after three years. Your own contributions are always 100% yours; the match becomes yours as it vests.
How much should I contribute?
At minimum, contribute enough to capture the full match — it is an immediate 50–100% return. Beyond that, the 2026 limit is $24,500 ($32,500 with the age-50 catch-up), so there is ample room to save more.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect 2026 rules and may change. Always confirm current limits and consult a qualified professional before making decisions. Official figures: IRS.gov · 2026 limits per IRS tax inflation adjustments.