401(k) Match Optimizer
Don't leave free money on the table. Maximize your employer match.
Employer Match Formula
100% = dollar-for-dollar, 50% = 50 cents per dollar
Common: 100% of first 6%, or 50% of first 6%
Annual Employer Match
$0
0% of salary
Free Money You're Missing
$0
per year
Your Contribution
$0
per paycheck: $0
Max Match at
0%
$0/year
2026 Max Allowed
$0
Match by Contribution %
30-Year Impact of Full Match
With Full Match (30 yrs, 7% return)
$0
Without Employer Match
$0
Match adds $0 to your retirement
Don't Leave Free Money on the Table
An employer 401(k) match is essentially a guaranteed, immediate 50-100% return on your investment. No other investment comes close. If your employer matches 100% up to 6% of your salary, contributing less than 6% means you're literally turning down free money.
2026 Contribution Limits
- Under 50: $23,500 employee limit
- Ages 50-59 and 64+: $31,000 (with $7,500 catch-up)
- Ages 60-63: $34,750 (with $11,250 super catch-up)
- Total (employee + employer): $70,000
Common Match Formulas
- 100% of first 6%: Most generous common match. Contribute 6% to get full match.
- 50% of first 6%: Very common. Still contribute 6% to maximize — you get 3% free.
- 100% of first 3%, 50% of next 2%: Tiered match. Contribute 5% to maximize — you get 4% free.
- Dollar-for-dollar up to 3%: Simple but less generous. Contribute 3% minimum.