401(k) calculator with employer match
Flat salary and employee contributions; employer contribution equals match rate times the smaller of employee contribution and the salary match cap.
Your scenario
Method and exclusions
Flat salary and employee contributions; employer contribution equals match rate times the smaller of employee contribution and the salary match cap. Contributions occur at month end. Assumes full vesting. No statutory contribution-limit enforcement, tax, fees, salary growth or market volatility. Confirm contribution eligibility with your plan.
Supporting guidance: IRS 401(k) plans (new tab). Guidance checked 28 October 2026; the arithmetic model remains our stated approximation.
How to use the result
Run a baseline, then change one assumption at a time. Compare the total cost or balance as well as the monthly amount. Keep excluded taxes, fees and product features on a separate checklist. Confirm decisions against actual provider documents.