Free Calculator
401(k) Match Calculator
See how much your employer adds, whether you're leaving money on the table, and what it could be worth by retirement.
Your employer is offering money.
Make sure you take all of it.
Enter your salary, what you contribute, and your company's match formula. See how much match you collect today and what you might be leaving on the table.
per year. You could collect $2,100 by contributing 6% of your pay.
- You contribute
- $2,100 / yr
- Employer adds
- $1,050 / yr
- Match left on the table
- $1,050 / yr
- Going into your 401(k)
- $3,150 / yr
What it means over time
What your contributions plus your employer's match could grow to in 30 years.
Collecting the full match could bring that total to about $640,485.
How your match works.
Most employers match part of what you put in, up to a percent of your pay. Contributing less than that limit means turning down part of your compensation.
The match you collect
See exactly how much your employer adds each year based on your salary and contribution rate.
What you're missing
Find the contribution rate that captures the full match, and the dollars left behind if you stay below it.
What it grows to
See what your contributions and your employer's match could be worth over the years until retirement.
Your pay. Your future.
For many new grads, the match is the easiest raise available. Even if you can't contribute much yet, reaching the match limit is usually the first investing goal worth hitting.
Common match · 50% of the first 6% of pay
Generous match · 100% of the first 4% to 6%
2026 limit · $24,500 in employee contributions
Calculator FAQ
Questions behind the numbers.
Understand how 401(k) matching works and what the estimate includes.
How does a 401(k) match work?
How much should I contribute to get the full match?
What is the 401(k) contribution limit for 2026?
What if my match has tiers?
What does vesting mean?
Put the numbers to work.
Anseris connects your 401(k), bank, and brokerage so you can see your full net worth and where your next dollar should go.