401(k) Match Calculator

An employer match is the closest thing to free money in investing — but only if you contribute enough to get the full match. Enter your salary, your contribution, and your employer's match formula to see the match value and how much you leave on the table by contributing less than the cap. 2026 IRS limit: $24,500 (IRS Notice 2025-67).

Annual salary ($)

Your contribution (%)

Employer match (%)

Match cap (% of salary)

Annual return (%)

Years

Results

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Assumes the full match cap is reached each year, employee contributions are capped at the 2026 IRS elective deferral limit of $24,500, and salary stays flat. Constant returns are assumed for the growth figure — real markets fluctuate.

Education, not advice: This tool is for education only and is not personalized financial advice. Investing involves risk, including loss of principal. Past performance does not guarantee future results. 2026 IRS limit per IRS Notice 2025-67 — verify current limits at irs.gov before relying on them.