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Investing & Retirement

401(k) Match Calculator

Estimate the employer contribution under the match formula you enter and see whether the modeled match is fully captured.

$
%

What % of your salary you contribute. 2026 employee deferral limit: $24,500. Catch-up: +$8,000 at 50+, or +$11,250 if you turn 60–63 in 2026, if your plan allows.

%

e.g. 50 = employer matches 50 cents per dollar

%

e.g. 6 = employer matches up to 6% of your salary

$

Defaults to the general 2026 employee limit of $24,500. Change this only if a different applicable limit (for example an eligible catch-up) applies to you.

⚠️ Part of the modeled employer match is still unclaimed.

Your Annual Contribution

$3,200

Employer Match You Get

$1,600

Max Possible Match

$2,400

Left on the Table

$800/yr

Under the simple formula entered, adding $1,600/year of employee deferral (within the applicable limit above) would increase modeled employer matching by about $800/year.

Employer match formulas vary and may include tiers, vesting, compensation limits, per-pay-period matching, true-ups or after-tax contributions. This tool models only the simple match-rate/up-to formula entered.

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Go deeper in Excel

Retirement & 401(k) Planner

Contribution limits, employer match, Roth vs Traditional, growth assumptions and retirement-gap analysis. The workbook is being built as a reusable companion to MFA's free web tools.

Planned workbook: 401(k) · IRA · Roth/Traditional · retirement projections.

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What Is a 401(k)?

Read the plain-English guide, common mistakes and context behind this calculation.

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Educational estimates only. Not financial, tax, investment, legal, payroll, mortgage, or insurance advice. Results may vary based on rates, tax rules, lender terms, state laws, and personal circumstances. Financial values entered into supported calculators may be stored privately with technical data such as IP address for MFA analytics, security, debugging and product improvement. Do not enter account numbers, passwords, Social Security numbers or login credentials. Privacy details.