Amazon 401(k) Plan

Amazon offers an employer match of 50% of employee contributions up to 4% of eligible pay. This means the maximum employer contribution is 2.0% of your salary. For example, on a $100,000 salary, contributing 4% ($4,000/year) earns you $2,000/year in free match. Match contributions are subject to a 3-year cliff vesting schedule. Use our employer match calculator to see how much free money you could earn.

Access your Amazon 401(k) account through Fidelity NetBenefits at Fidelity NetBenefits. The plan is administered by Fidelity Investments. Current and former employees can log in with their Social Security number and date of birth. If you need help, contact the plan administrator at the phone number listed on this page.

For 2026, Amazon 401(k) participants can contribute up to $24,500 in employee deferrals. Participants aged 50+ can contribute an additional $8,000 in catch-up contributions (total $32,500). Those aged 60-63 can make super catch-up contributions of $11,250 (total $35,750). Currently, Amazon participants contribute an average of $3,764 per year in employee deferrals. Employer contributions are separate from these limits.

Many Amazon 401(k) plans offer loan provisions. As of the latest filing, Amazon participants had $422.4M in outstanding loans (averaging $350 across participants with active loans). The IRS limits 401(k) loans to the lesser of $50,000 or 50% of your vested balance. With an average account balance of $29K in the Amazon plan, the maximum potential loan amount for a fully vested participant would vary accordingly. Check with your plan administrator for specific loan terms, or see our withdrawal rules guide.

When you leave Amazon, you have several options for your 401(k): keep it in the plan (if the balance is over $7,000), roll it over to a new employer's plan, roll it to an IRA, or take a cash distribution (subject to taxes and potential penalties). In the most recent filing year, the plan processed $2.4B in distributions to departing or retired participants. Employer match contributions may be subject to a vesting schedule.

According to the most recent Form 5500 filing, the Amazon 401(k) plan has 1,207,759 active participants managing $34.6B in plan assets. The average account balance is $29K per participant.

Many major employers, including Amazon, offer both traditional pre-tax and Roth after-tax 401(k) contribution options. Given that Amazon participants average $3,764 in annual deferrals, choosing between Roth and traditional depends on whether you expect your tax bracket to be higher or lower in retirement. Contact the Amazon plan administrator for availability.

The Amazon 401(k) offers 26 investment options including Index Funds, Target-Date Funds, Actively Managed Funds, Company Stock (AMZN), Self-Directed Brokerage (BrokerageLink). The plan generated $10.9B in total investment income during the last filing year. The plan also supports mega backdoor Roth contributions through after-tax deferrals. Use our allocation calculator to find the right mix for your age and risk tolerance.

Amazon (AMZN) may offer company stock as an investment option within the 401(k) plan. Be mindful of concentration risk - financial advisors typically recommend limiting company stock to no more than 10-15% of your portfolio, especially given that your employment income already depends on Amazon's performance.

Yes, Amazon supports the mega backdoor Roth strategy (available since 2020). This allows you to make after-tax contributions above the $24,500 pre-tax/Roth limit, up to the $72,000 total 415 limit (minus employee + employer contributions). You can set up automatic Roth conversion of after-tax contributions in your account settings. Use our mega backdoor calculator to see how much extra you can contribute.

For 2026, Amazon matches 50% of employee contributions up to 4% of eligible pay up to 2.0% of salary. On a $100,000 salary, that means $2,000/year in free employer contributions. Match contributions vest on a 3-year cliff schedule. The 2026 employee deferral limit is $24,500 ($32,500 if 50+, $35,750 if 60-63). Use our match calculator to estimate your free money.

Yes, Amazon auto-enrolls new employees 90 days after hire. Your contributions are initially invested in the Vanguard Target Retirement Fund (nearest to age 65). You can change your contribution rate, investment elections, or opt out at any time through Fidelity NetBenefits. Consider increasing your default rate to at least capture the full employer match.