401(k) Match Calculator
Your employer offers a match? It's an instant 50-100% return — the best deal in personal finance. Skipping it is leaving free money. Here's how much.
Most common: 100% match up to 4-6% of salary, or 50% match up to 6%.
100 = full match (every $1 you put in, employer adds $1). 50 = half-match.
Annual match you're capturing
$3,900
Free money. Just for hitting your contribution target.
Total match over 10 yrs
$39K
Match growth at 7%
$56K
By age 65 if invested
$590K
The Andlika rule
Contribute AT LEAST enough to capture the full match — every time, every job, no exceptions. After that, max your Roth IRA. Then come back and increase 401(k) further. Order matters: match → Roth → more 401(k).