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.

EUA401(k) Employer Match & GrowthFinanças

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.

Aposentadoria e Pensões Salários e Remunerações Investimento e Ativos

Dados de Entrada

Em tempo real

Current Annual Salary ($)

Seleção rápida:

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

Resultado Calculado401(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

Detalhamento do Cálculo

Your Contribution

$6,400

Company Free Match

$4,000

Total Invested Per Year

$10,400

Retirement Nest Egg

$657,790

Metodologia de Cálculo

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.

Aviso Legal e Educacional

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

Esta calculadora destina-se a fins educacionais e informativos. Os resultados não constituem consultoria financeira ou jurídica vinculativa.

Perguntas Frequentes

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

Calculadoras Relacionadas

Ferramentas e calculadoras recomendadas para seu cálculo atual

Explorar todas as ferramentas

EUA

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

Dados de Entrada

Detalhamento do Cálculo

Metodologia de Cálculo

Aviso Legal e Educacional

Perguntas Frequentes

Calculadoras Relacionadas

US Traditional IRA vs. Roth IRA Tax Savings & Growth Comparison Calculator

US 1099 Contractor vs. W-2 Employee Take-Home Pay & Equivalent Rate Calculator

US Paycheck & Take-Home Pay (Hourly, Bi-Weekly, Monthly) Calculator

IRS Rule 72(t) SEPP Penalty-Free Early Retirement Withdrawal Calculator

US Capital Gains Tax Calculator (Short-Term vs. Long-Term Rates)

US FICA Tax, Social Security & Medicare Withholding Calculator

US Tipped Employee Minimum Wage & Tip Credit (FLSA) Calculator

US Federal Income Tax & Marginal Bracket Calculator