401k Match Calculator
See how much your employer match is worth and what you might be leaving on the table.
Your 401k Details
Percentage of salary you contribute
e.g., 50% means they match half
e.g., 6% of salary
Your Annual Contribution
$4,800
6% of $80,000 salary
Employer Match
$2,400
3% of your salary — free money
Total Annual Contribution
$7,200
Future Value at Retirement
$680,118
After 30 years at 7% return
Value Without Match
$453,412
You'd lose $226,706 without the match
Annual Contribution Breakdown
Your Contribution
$4,800
Employer Match
$2,400
How These Calculations Work
Employer Match Amount
Match = MIN(Employee Contribution, Salary × Match Limit %) × Match %
Your employer matches a percentage of your contributions, up to a limit (usually a percentage of your salary).
Future Value with Match
FV = (Employee + Employer Contribution) × ((1 + r)^n − 1) / r
The combined annual contribution (your contribution + employer match) grows at your expected return rate over your career.
Frequently Asked Questions
Important Disclaimer
This calculator is for educational and informational purposes only. It does not provide financial, investment, tax, or legal advice. Results are estimates based on the assumptions you enter and may differ from actual outcomes. Past performance does not guarantee future results. Consult a qualified financial professional before making investment decisions.