First Job Hub›401k Match Calculator

🎁 401k Free Money Calculator

Your employer is literally offering to give you free money and you might be leaving it on the table. Let's see exactly how much you're getting, how much you're missing, and what it grows to over 40 years.

Your 401k Setup

$
0%23% (2025 max)
% of contributions, up to% of salary
e.g."50% of first 6%" = match 50%, up to 6%
3% (conservative)12% (aggressive)

Your Match Status

⚠️ You're leaving free money on the table!
Contributing 3% but you need 6% for full match. Increase by 3% ($1,800/year) to unlock $900/year in free employer money.
You Contribute
$1,800/yr
Employer Adds 🎁
$900/yr
Total to 401k
$2,700/yr
Full match scenario: $5,400/yr (you'd contribute $3,600, employer adds $1,800)

Projected Growth Over Time (7% annual return)

YearsYour Current PlanWith Full MatchYou'd Gain
10 years$37,304$74,609+$37,304
20 years$110,688$221,376+$110,688
30 years$255,044$510,088+$255,044
40 years$539,015$1,078,030+$539,015
🤯 Leaving the full match on the table could cost you $539,015 over 40 years

Sources: IRS 401(k) Plans, DOL 401(k) Guide, BLS Employee Benefits Survey. Last updated March 2026.