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🎁 401(k) Match Calculator
Employer 401(k) match is free money — pure return on your contributions. This calculator takes salary, contribution %, and match formula (e.g., "100% of first 3%, 50% of next 2%") and computes total annual match plus any unclaimed match.
Examples
$80k salary · 6% contribution · 100% match up to 4%Your $4,800 + employer $3,200 = $8,000/yr · ✓ Full match captured$80k · 2% · 100% match up to 4%Your $1,600 + match $1,600 · Missing $1,600/yr in free moneyFrequently asked questions
Always max the match?
Yes — 100% match = 100% instant return. Even 50% match is 50% return. Almost no investment beats this.
Vesting?
Some employers require 3-5 years before match is fully yours. Check your plan.
Match counts toward annual limit?
No — $23k personal limit (2024) is contributions only. Match is on top, up to $69k combined.
About this calculator
401(k) Match Calculator runs entirely in your browser using standard formulas. No data is sent to any server. We don't share your inputs with lenders, brokers, or anyone else — there's no funnel and no follow-up email.
Related tools
- 🏖️ Retirement Calculator — 401k / IRA / general retirement projection with employer match.
- 💼 Salary Converter — Convert between hourly, weekly, monthly, and annual pay.
- 📈 Compound Interest Calculator — Future value with compound interest. Configurable contribution & compounding frequency.
Why this calculator
vs typical free finance-calculator sites
| RichCalcs | Typical free site | |
|---|---|---|
| Price | Free | Free |
| Signup required | No | Often (for full results) |
| Ads inside the calculator | No | Yes (banner + sidebar) |
| Lead capture (email / phone) | No | Yes — sold to lenders |
| Data sent to server | No (browser-only) | Yes (analytics + tracking) |
| Amortization schedule | Full table | Often summary only |
| Bookmarkable URL per calc | Yes | Mixed |
| Loads in under 1s | Yes (static) | Often slow (ad tracking) |
| Open source | Yes | No |