Free tool
401(k) match calculator
Updated November 5, 2026. Runs entirely in your browser; nothing you type is sent anywhere.
Enter your salary, how much you plan to contribute, and your employer's match formula. You'll see an estimated yearly match, how much match you might be leaving on the table, and a sentence to confirm the plan details. This is simple arithmetic, not tax or investment advice.
How to use the number
- Read your summary plan description for the real match formula, vesting schedule, and whether bonuses count.
- If you can, contribute at least enough to hit the full match before chasing other extras.
- When comparing job offers, add the yearly match to total compensation alongside base, bonus, and equity.
- Confirm with HR or the plan administrator before you change deferral percentages.
What to say when the offer includes a match
Match formulas are easy to misread in an offer letter. The Offer Kit gives you word-for-word lines for total-comp conversations, plus Call Mode, a full-screen companion that shows your next line during the call. It's a one-time $29, with a 14-day refund policy.
How does an employer 401(k) match work?
Many employers match a percentage of what you contribute, up to a cap of your salary. A common pattern is 50% or 100% of your contribution up to 3% to 6% of pay. The exact formula is in your plan summary. This calculator does simple arithmetic on the numbers you enter.
Should I always contribute enough to get the full match?
If you can afford it, yes: the match is extra compensation you otherwise leave on the table. After you capture the full match, how much more to contribute depends on your budget, debt, and other goals.
Is this tax or investment advice?
No. It estimates a yearly match dollar amount from the formula you enter. Tax treatment, vesting, and investment results vary. Check your plan documents or a qualified advisor for decisions that affect you.
Guidance only, not legal, financial, or tax advice. The calculator does simple arithmetic on the numbers you enter.