401(k) Match Calculator

How to use this calculator

Enter salary, your contribution percentage, employer match percentage, and the salary percentage eligible for match. The calculator estimates your contribution and employer match.

When this calculator is useful

• Checking if you capture the full match
• Comparing contribution rates
• Understanding employer-match value as compensation

Important limitations

Plan rules vary. Vesting schedules, contribution limits, true-up provisions, and payroll timing can change actual match amounts.

For best results, run at least three cases: a conservative case, a middle case, and a stretch case. If a small change in inputs creates a big change in the answer, that is a sign the decision may be sensitive to rates, fees, timing, or market performance.