401k Employer Match Calculator

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u/a-ford · Joined Oct 2024

A 401(k) offers tax-deferred contributions and earnings, plus potential employer matching (50%-100%), making it a valuable tool for securing retirement savings.

Last update Oct 2024
  • Scenario 1: With Employer Match
  • Scenario 2: Without Employer Match
  • Which One Is Higher (%)

Here is a visualization of 401(k) account value growth, up to the planned retirement age, with and without employer match.

Age

Try your numbers:

A =

B =

The average annual salary increase is typically 3% to 5%, but it can vary based on your occupation, experience, and other factors.

C =

D =

E =

F =

Your employer may match a percentage of your 401(k) contributions, ranging from 0% to 100%. The match is capped at a certain percentage of your salary.

G =

This is the maximum percentage of your salary your employer will match, regardless of your contribution. For example, they may match 50% of contributions up to 6% of your salary. You can contribute more, but the match stops at 6%.

H =
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Time Value Assumptions

Heads Up!

If you're using Cost Basis (cb) for calculating capital gains:

Please be aware that very few countries currently use inflation-indexed cost basis. Double-check your local tax rules before publishing.

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How is Cash Value calculated?

Find out the total monthly contribution from employee and employer, based on the percentages.

Decisions / Expectations

(Expressions are evaluated at Year 0 only.)

Ĩ =
Now
J̃ =

Calculations

(Expressions are evaluated at every year.)

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