Free online 401k Employer Match Calculator. Calculate employer contributions under various matching formulas. Supports 100% match, 50% match, tiered matching, and more. Maximize your retirement benefits.

Zero-dependency · Works offline

🔢 Input Parameters

Annual Salary ($)

Your pre-tax annual salary

Your Contribution (%)

Percentage of salary you'll contribute

Employer Match Formula

Match Dollar Cap ($)

0 = no cap; some employers cap total match

🏢 Annual Employer Match
-
Free money from your employer

👤 Your Annual Contribution

Your own contribution

📊 Total Annual Contribution

Your contributions + employer match

📈 Effective Match Rate

Match as % of salary

💰 10-Year Match (with growth)

With 7% compound growth

🏦 30-Year Match (with growth)

With 7% compound growth

📖 About 401k Employer Match

What is Employer Match?

Employer match is a benefit companies offer to encourage retirement saving. The company contributes additional money to your 401k based on your own contributions — essentially free extra compensation.

Common Match Formulas

50% match on first 6%: you save 6%, company adds 3%. 100% match on first 3-5%. Tiered: e.g. 100% on first 4%, then 50% on next 4%.

Never Leave Free Money on the Table

Employer match is an immediate 50-100% return. Contribute at least enough to get the full match — it's the best guaranteed return you'll ever get.