401(k) Employer Match Calculator
Translate a matching formula into annual dollars and see whether any employer contribution is unused.
Free · No sign-up · Your inputs stay in your browser
Your numbers
Decode the employer match
Your projection
$1,875 from your employer
Your annual contribution
$3,750
Employer contribution
$1,875
Match left unused
$375
Total per month
$468.75
About this tool
Method, assumptions, practical next steps, and limits.
Read the formula in dollars
A company that matches 50% of contributions up to 6% of pay contributes at most 3% of pay. The two percentages do different jobs.
Calculation method
Your contribution is salary times your deferral rate. Eligible pay is capped at the plan limit, and the match rate is applied to that eligible contribution.
Check the plan document
Vesting, per-pay-period matching, true-ups, compensation limits, and contribution types can change what actually reaches the account.
