401(k) Match Calculator

See how much free money your employer's 401(k) match adds — and make sure you contribute at least enough to get all of it.

Your details

Annual salary$Your contribution%Employer match rate%e.g. 50% or 100% of what you contribute.Match limit (% of salary)%

Employer match (free money)

$1,800.00

Your contribution: $3,600.00
Total annual contribution: $5,400.00

Your contribution vs match

Your contribution: $3,600.0067%
Employer match: $1,800.0033%

Employer match (free money)$1,800.00

Formula

Match = salary × min(your %, limit %) × match rate. Contributing below the limit leaves match money on the table.

Sources & methodology

•U.S. DOL — 401(k) plans — U.S. DOL

Last updated: 2026-07-20

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Learn more

How 401(k) Employer Matching WorksAn employer match is the closest thing to free money in personal finance. Here's how matches are structured, what vesting means, and why you should never leave one on the table.

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