401(k) Match Maximizer

Make sure you are capturing every dollar of employer match without leaving free money on the table.

Annual salary $120,000

Match formula percent (employer matches X%) 100%

Match cap (% of salary) 6%

Your contribution percent 4%

Years until you leave or retire 10 years

Annual employer dollars captured

Free money you receive each year

Match left on the table

Lifetime match value

Captured match vs missed match

💡 Match insight

401(k) Match Maximizer

The 401(k) Match Maximizer makes sure you are not leaving employer money on the table. You enter your salary, the employer match formula and cap, your current contribution percentage, and the number of years you expect to stay. The calculator returns the annual match you are capturing, the dollars you are leaving uncollected each year, and the lifetime value of the captured match grown at a reasonable assumed rate. Use it the day you onboard at a new employer and after every salary change. The most common mistake is contributing right at the cap percentage without realizing the formula caps a different way, or contributing below the cap because the paycheck looks tight, when the employer match alone usually clears every other return on your money.