About 401(k) Employer Match Calculator

401(k) Employer Match Calculator is a free, no-login tool that helps people answer one high-stakes question: am I getting my full 401(k) employer match, and if not, what is it costing me? The calculator and the articles around it exist because employer match is one of the few guaranteed returns in personal finance, yet it is routinely left unclaimed simply because plan formulas are confusing and auto-enrollment defaults are set low.

Who builds this

This site is built and maintained by Marcio, an independent tools builder. It is not affiliated with any 401(k) provider, employer, brokerage, or financial institution, and it does not sell financial products. The aim is narrow and practical: turn the dense language of a match formula into a clear dollar figure you can act on in a couple of minutes.

How we keep it accurate

The calculator uses standard, transparent math — tiered match application and the future-value-of-an-annuity formula — and runs entirely in your browser, so nothing you enter is transmitted or stored. Contribution limits referenced in the content reflect the IRS figures for 2026 ($24,500 employee deferral, with higher catch-up amounts for those 50 and older). Tax and contribution rules change yearly, so we describe methodology rather than offering personalized advice, and we encourage readers to confirm current limits and their own plan details before acting.

A note on independence

We may display advertising to support the cost of running the site, but ads never influence the math or the recommendations. The tool will always tell you the contribution rate that captures your full match, regardless of any advertiser. If you spot an error or have a suggestion, we genuinely want to hear it — see the contact page.