Employer 401(k) Match Calculator
Enter your salary, contribution percentage and your employer's match rate and limit to calculate your total retirement contribution.
Employer 401(k) Match Calculator
Calculate your employer's matching retirement contribution and your combined total annual contribution.
This calculator applies your employer's match rate to whichever is smaller — your actual contribution or the match limit — to find the employer match amount, then adds it to your own contribution for the total going toward retirement.
Example
- With the default values shown above, this calculator returns: Your Annual Contribution ≈ 4,200.00; Contribution Eligible for Match ≈ 4,200.00; Employer Match Amount ≈ USD 2,100.00; Total Annual Contribution (You + Employer) ≈ USD 6,300.00.
Frequently Asked Questions
How does a typical match work?
A common structure is '50% match up to 6% of salary' — meaning the employer contributes 50 cents for every dollar you contribute, up to a maximum employer contribution of 3% of your salary (50% of the 6% limit).
Am I leaving money on the table?
If your contribution percentage is below the match limit, you're not receiving the full available match — contributing at least up to the match limit is generally considered free money from your employer.