← Honed Money

Keep more of your 401(k) match.

See what your employer may add, what it takes to earn the full match, and whether any match is being left on the table.

Your pay and plan

$

%

Employer match formula

For “50% up to 6%,” enter 50 and 6.

%

%

Use your plan documents or benefits portal for the exact formula. Vesting rules are not included.

Enter your salary, contribution rate, and employer formula to see the match you could receive each year.

How the math works

Your match is your eligible contribution multiplied by the employer match rate. Eligible contributions stop at the plan’s “up to” percentage of salary. This calculator uses annual pay and does not model per-paycheck true-ups.

Check the plan details

Some plans use tiers, fixed-dollar amounts, waiting periods, vesting schedules, or paycheck-by-paycheck limits. If your formula has more than one tier, this simple calculator may not match your plan.

Last reviewed: October 2026.