What to try first
If your contribution rate is below the match cap, test raising it to the cap. That shows how much employer match may be available before changing other assumptions.
401(k) Calculator
401(k) Calculator
Estimate your annual 401(k) contribution, employer match, projected retirement balance, and whether you are leaving match dollars on the table.
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Private by default
Educational estimates only
401(k) contribution estimate
Your 401(k) projection
See your annual contribution, employer match, total dollars going in, and a projected balance at retirement.
Free money from employer match
$0
Match guidance appears here.
Your annual contribution$0
Employer annual match$0
Total annual going in$0
Projected balance$0
Projected monthly income$0
Withdrawal assumption4%
What this means
Your 401(k) projection appears after the calculation runs.
How this calculator works
How the 401(k) match is estimated
The calculator multiplies salary by your contribution rate, then estimates the employer match using the match percentage and salary cap you enter.
Related calculators
401(k) FAQ
Common contribution and match questions
What is an employer match cap?
The cap is the portion of salary the employer will match. A 6% cap means contributions above 6% of salary may not receive additional match dollars.
Does this include IRS contribution limits?
This calculator focuses on salary percentage and employer match math. Check current IRS limits and your plan documents before making final contribution decisions.
These calculators are for educational purposes only and are not financial, investment, tax, or legal advice. Results are estimates based on the assumptions provided.