401(k) Calculator with Employer Match
Project your 401(k) or workplace pension balance with salary growth and employer match.
Why the employer match matters
A match is a guaranteed instant return on your contribution. For example, a 50% match on the first 6% of salary adds 3% of salary a year just for contributing 6%. Always contribute at least enough to get the full match.
How this estimate works
Each year your salary grows, you contribute a percentage, the employer adds the match, and the balance grows by the return. Results are estimates in future money, not adjusted for inflation.
Worked example
Last reviewed November 2026. Formulas are standard and shown in the sections above; results are estimates.
Tips and common mistakes
- Always capture the full employer match first.
- Raise your contribution by 1% each year.
- Check the fees on your plan's funds.
Learn more
Frequently asked questions
Is this for UK pensions too?
Yes for the idea. Enter your workplace pension contribution and employer percentage.
Does it adjust for inflation?
No. Use a return after inflation for results in today's money.
What is a vesting schedule?
Some employers require you to stay a number of years to keep the match.
Money guides for this topic
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Open calculator →Results are estimates and not financial advice.