Work out 401k employer match instantly with clear inputs, formula shown and shareable results.
An employer match is only paid on contributions up to a capped share of pay. Contributing less than the cap forfeits free money, which is why the first priority in any plan is to capture the full match.
Match
Match = salary × min(your rate, cap) × match rate
Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.
Effectively yes — a 50% match is an immediate 50% gain on the matched portion, before any investment return.
Often. Employer money may vest over several years, so leaving early can forfeit part of it.