401(k) Match Calculator
How much free money your employer's match is worth.
Free money from employer
$2,000
You contribute $4,000, total going in: $6,000
Max possible match
$2,400
Match left on the table
$400
Raise your contribution to 6% to capture all of it
About
An employer match is the highest return you'll ever see. Most matches are 50% or 100% on the first 3-6% of salary. This shows how much you're leaving on the table if you don't contribute enough to get the full match.
How to use
- Enter your salary and current contribution percentage.
- Enter your employer's match formula.
- See the dollar match and what you're leaving behind if any.
FAQ
What's a typical match?+
50% match on the first 6% (so 3% of your salary) is the most common. Some employers go 100% on the first 3-5%. A few generous ones match dollar for dollar up to 6%.
Should I always max the match?+
Yes, before paying down anything but the highest-interest debt. A 50% match is an instant 50% return. Nothing else compares.