401(k) calculator with match
Enter your salary, contribution percent and employer match to see your balance at retirement and how much free money the match adds.
401(k) at 65
Your employer adds $89,990 over the years, free money on top of your own $179,980.
The IRS caps yearly 401(k) contributions; very high contribution rates may hit that limit. Taxes on withdrawals are not included.
How this calculator works
Each paycheck, a percent of your salary goes in, and your employer adds a match up to a cap. Your salary rises with raises, and the balance grows with returns.
If you contribute less than the match cap, the calculator shows the match you are missing each year.
Common questions
How does a 401(k) match work?
A common formula is 50% of what you contribute, up to 6% of salary. Contribute 6% and your employer adds 3%.
Should I always get the full match?
It is an instant return on your money, so it is usually the first priority after high-interest debt.
Is there a contribution limit?
Yes, the IRS sets yearly limits, higher from age 50. Very high contribution rates may hit them.
FatDCA calculators are educational estimates, not investment, tax or legal advice. Results depend on the assumptions you enter, and past returns do not predict future returns.
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