401(k) Match Calculator

Estimate an employer contribution from eligible pay and one match tier in your U.S. workplace plan.

Use the eligible pay and match formula described in your plan documents.

Updates as you type

Results

Your numbers

Start with the example. Change it to fit your plan.

Annual eligible pay

Your contribution (% of pay)

Employer match (% of eligible contributions)

Match cap (% of pay)

Assumptions

This example uses one annual match tier and the eligible pay you enter. It excludes vesting, payroll timing, true-ups, and IRS limits; check the terms of your own plan. The match is an employer contribution, not investment growth.

Educational information, not investment advice.

IRS: Operating a 401(k) plan (checked 2026-11-08).

Your result

Estimated employer contribution$1,800

Your contribution$3,600

Your contribution eligible for a match$3,600

Combined contributions$5,400

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Open in Google Sheets

Excel and PDF use the numbers above. Google Sheets opens a separate example in your Drive; to bring your own numbers, import the downloaded Excel file.

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Results are educational estimates from your inputs and the assumptions shown, rather than a guarantee or individual financial advice. About our estimates.

Put your plan into practice

What to Do After Building an Emergency Fund

Once the emergency fund is complete, this example household works through a workplace 401(k) match, an expensive debt, and an IRA comparison before looking at index funds. A long-term projection then shows how steady monthly contributions could grow, with no guarantee of results.

Read guide →