Updated 2026-03-30

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

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