Calculate your employer's 401k match value and see how much free money you're earning. Make sure you're contributing enough to maximize the benefit.
Free money per year
| Your Contribution | $4,500 (6%) |
| Employer Match | $2,250 |
| Total Annual 401k | $6,750 |
| Match as % of Salary | 3.00% |
| Money Left on Table | $0 ✓ |
Instant delivery · No spam · Unsubscribe anytime
No spam, ever. We only email you about topics you care about. Unsubscribe anytime.
Employer Match = Salary × min(Your%, Cap%) × Match Rate%
Example: $75k × 6% × 50% = $2,250/year free money
An employer match is free money your company adds to your 401k when you contribute. A common match is 50% up to 6% of salary.
The most common employer match is 50% of employee contributions up to 6% of salary, effectively giving employees 3% of salary in free money.
Absolutely. The employer match is an immediate 50-100% return on your investment. Always contribute at least enough to get the full match.
Vesting determines when you own the employer match. Immediate vesting means it's yours right away. Graded vesting means you gain ownership over several years.
Calculations are for educational purposes only. Consult a qualified financial advisor for personalized advice.