How does an employer 401(k) match work?

An employer match is free additional retirement money deposited by your employer (e.g. 50% match on the first 6% of salary contributed).

What is a 401(k) vesting schedule?

A vesting schedule determines how many years you must work at the company before 100% of employer-matched funds belong to you.

USA401(k) Employer Match & GrowthFinanzen

US 401(k) Retirement Savings, Employer Match & Growth Calculator

Calculate your future retirement nest egg from employee pre-tax salary deferrals and company employer match (e.g. 50% match up to 6% of salary) compounded over your career.

Ruhestand & Rente Gehälter und Löhne Investitionen & Anlagen

Eingabedaten

Echtzeit-Berechnung

Current Annual Salary ($)

Schnellauswahl:

Your Contribution Percentage (% of Salary)8 %

1 %30 %

Employer Max Match Limit (% of Salary)5 %

0 %10 %

Years Until Retirement (Duration)25 yrs

1 yrs45 yrs

Berechnetes Ergebnis401(k) Employer Match & Growth

Estimated 401(k) Balance at Retirement (Assuming 7% Return)

$657,790

Annual Free Employer Match Added ($/yr)

$4,000

Your Annual Pre-Tax Contribution ($/yr)

$6,400

Detaillierte Berechnungsübersicht

Your Contribution

$6,400

Company Free Match

$4,000

Total Invested Per Year

$10,400

Retirement Nest Egg

$657,790

Berechnungsmethodik

Annual Employee Contribution = min(Salary * (Contrib% / 100), $23,000). Annual Employer Match = Salary * (Match% / 100) * (MatchRate% / 100). Total Future Value compounded annually over working years.

Wichtiger rechtlicher Hinweis

The 2025/2026 elective employee contribution limit is $23,000 (plus $7,500 catch-up contribution for age 50+).

Dieser Rechner dient ausschließlich Informations- und Bildungszwecken. Die Ergebnisse stellen keine verbindliche Finanz-, Steuer- oder Rechtsberatung dar.

Häufig gestellte Fragen

For 2024/2025, employees can contribute up to $23,000 per year ($30,500 for those aged 50 and older with catch-up contributions).

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US 401(k) Retirement Savings, Employer Match & Growth Calculator

Eingabedaten

Detaillierte Berechnungsübersicht

Berechnungsmethodik

Wichtiger rechtlicher Hinweis

Häufig gestellte Fragen

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