Vesting Schedule Calculator
Calculate your vested employer match balance and forfeiture risk
Vesting determines when your employer's 401(k) match is truly yours. Common schedules include 3-year cliff (0% then 100%) and 6-year graded (20% per year). If you leave before fully vested, you forfeit the unvested portion.
Common Vesting Schedules
- Immediate: 100% vested from day one
- 3-year cliff: 0% until year 3, then 100%
- 6-year graded: 20% per year starting year 2