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401(k) Match Maximizer

FREE

Never leave free money on the table - calculate your optimal 401(k) contribution

Investment & Retirement

Inputs

Enter your information

How It Works

1Enter your salary and current 401(k) contribution percentage
2Add your employer match details (e.g., 50% match up to 6% of salary)
3See how much free money you're currently capturing
4Calculate the exact contribution needed to maximize your match
5View long-term projections showing the impact of maximizing your match

Assumptions

•2026 401(k) limit: $23,500 ($31,000 with catch-up for 50+)
•7% annual investment return assumed for projections
•Employer match percentages remain constant
•Salary remains constant (no raises modeled)

⚡Pro Features

✓Upload W-2 - AI auto-fills salary and current contributions
✓Upload 401(k) statement - AI extracts current balance and match details
✓Ask AI Copilot: "Should I max out 401(k) or pay down student loans?"
+4 more

Results

Fill in the inputs to see your results

Enter your data to calculate

How This Calculator Works

1Enter your salary and current 401(k) contribution percentage
2Add your employer match details (e.g., 50% match up to 6% of salary)
3See how much free money you're currently capturing
4Calculate the exact contribution needed to maximize your match
5View long-term projections showing the impact of maximizing your match

⚡Unlock Pro Features

✓Upload W-2 - AI auto-fills salary and current contributions
✓Upload 401(k) statement - AI extracts current balance and match details
✓Ask AI Copilot: "Should I max out 401(k) or pay down student loans?"
✓Compare Roth 401(k) vs Traditional 401(k) for your situation
✓Model salary increases and promotion impact on match
✓Calculate impact of mid-year contribution changes
✓Export contribution increase request for HR/payroll

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