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 WorksHow 401(k) employer matches are structured, what vesting means, and why you should always contribute enough to get the full match.

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