401(k) Contribution Optimizer
Investing & MarketsCalculate your total annual 401(k) contribution including employer match.
Total Annual Contribution
Your combined employee and employer contribution for the year.
Your Annual Contribution
$6,800
Your own annual 401(k) contribution at this percentage.
Employer Match Contribution
$2,550
Your employer matching contribution, capped at the match limit.
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Creators
Odeh Ahwal0people find this calculator helpful
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Saved
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Investing & Markets calculators
Frequently Asked Questions
Am I leaving money on the table if I contribute less than the match limit?
Yes, contributing less than the percentage needed to capture the full employer match means giving up free money your employer would otherwise contribute, generally considered one of the highest-priority moves in retirement planning.
What is a typical employer match formula?
A common structure is matching 50 percent of employee contributions up to 6 percent of salary, though formulas vary significantly by employer, from simple dollar-for-dollar matches to tiered structures.
Are there annual contribution limits to be aware of?
Yes, the IRS sets annual limits on employee 401(k) contributions that are periodically adjusted for inflation, plus a separate combined limit including employer contributions — check current limits to ensure your contribution percentage stays compliant.
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