Tools
401(k) match calculator
Enter salary, your contribution rate, the match rate, and the percent of salary the match applies to. The calculator caps your deferral at the labeled IRS limit and shows dollars the match formula is not paying.
Arc · Published September 18, 2026 · Updated September 18, 2026
Assumptions
- Employee deferral limit defaults to $24,500 for 2026, from IRS Notice 2025-67.
- Employer contributions are not part of that employee limit.
- Plans differ on true-ups if you hit the limit early.
Your deferral
$6,000
Employer match
$3,000
Full match on this formula.
The default deferral cap is $24,500 for tax year 2026. You can change it. A 50% match up to 6% of pay is not a 50% match on every dollar you contribute.
Match = min(your deferral, salary × match cap) × match rate
Sources
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Educational estimate only. Not tax, legal, or investment advice, and not a prediction of what your accounts will do. Methodology