Calculate employer match, total contributions and long term growth.
A 50 per cent match up to 6 per cent of salary means contributing less than 6 per cent forfeits employer money outright. That match is an immediate return no investment can reliably match. Contributing below the match limit is almost always the largest single financial mistake available in an employment package, since the forgone money compounds for decades.
401(k) Match
Match = min(your contribution, salary × limit) × match rate; balance compounds annually
Retirement account rules, contribution limits and vesting schedules vary by plan and jurisdiction and change over time. Investment returns are not guaranteed. This is not financial advice; consult your plan documents and a qualified adviser.
Match = min(your contribution, salary × limit) × match rate; balance compounds annually A 50 per cent match up to 6 per cent of salary means contributing less than 6 per cent forfeits employer money outright. That match is an immediate return no investment can reliably match.
Contributing below the match limit is almost always the largest single financial mistake available in an employment package, since the forgone money compounds for decades.
This calculator takes 6 inputs: Annual salary, Your contribution, Employer match rate, Match limit as a share of salary, Expected annual return, Years to retirement. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.