401(k) employer match
401(k) Employer Match Calculator
See how much employer 401(k) match you're getting, how much you're leaving on the table, and what it could be worth by retirement.
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50% = 50 cents per $1 you put in. 100% = dollar for dollar.
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yrs
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Employer match you get
$1,125/yr
Free money left on the table
$1,125/yr
Contribute this to get it all
6.0%
Missing $1,125 a year of match could cost about $106,268 by retirement at a 7% return.
Match formulas vary: check your plan document for vesting schedules (you may lose unvested match if you leave), true-up rules and whether the match is calculated per paycheck. Your own contributions are capped at $24,500 in 2026 (more with catch-up).
Sources · figures checked 2026-09-24
