Personal Finance Roadmap

Personal Finance Roadmap Tool

Employer Match Calculator

See how much your employer may add—and whether you’re contributing enough to get the full match.

Your numbers
$
%
% of pay
Some employers add this even if you contribute 0%.
%
100% means $1 for every $1 you contribute.
% of pay
Example: the employer matches only the first 5% of your pay.
More options

This only changes the per-paycheck estimate. It does not change the yearly totals.

Your road ahead
Estimated employer contribution
$0
Estimated yearly employer contribution based on the rules you entered.
Are you getting the full match? Run the numbers to see.
Check
You add each year$0
Employer adds automatically$0
Employer match$0
Total added each year$0
Your amount per paycheck$0
Maximum employer match$0
To get the full match
Enter your numbers above.
How much of the available match you’re getting0%
Your current contribution compared with the full employer match.

This model applies one matching percentage to employee contributions up to the entered cap, plus any automatic employer contribution. Tiered matching, per-pay-period eligibility, true-up rules, compensation caps, and legal contribution limits are not calculated. Employer plans can use different match formulas, limits, eligibility rules, and vesting schedules. Check your plan documents or benefits portal for the rules that apply to you.

For educational purposes only. Personal Finance Roadmap does not provide financial, investment, tax, legal, or accounting advice.

Calculator results are estimates based on the information you enter and the assumptions used by the tool. Your actual results may differ because of taxes, fees, interest calculations, market performance, employer-plan rules, contribution limits, timing, account terms, and other factors not modeled.

Results are not guarantees, predictions, promises of future performance, or recommendations to take any specific financial action.