Updated 2026-03-30

Employer Match Calculator

Calculate your employer 401(k) match, vested amount, and projected growth over time

The average employer contributes about 4.7% of salary in matching funds. Not contributing enough to capture the full match is leaving free money on the table. Use this calculator to see exactly how much your employer adds.

Common Match Formulas

50% up to 6%: Employer adds 50 cents per dollar on the first 6% of salary
100% up to 3%: Dollar-for-dollar match on the first 3% of salary
Tiered: Different rates on different contribution tiers

Pavlo Pyskunov

Managing Director & Investment Fund Director

Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.

Last updated: 2026-03-30