How to use this calculator
- Enter annual eligible salary, employee contribution (%), employer match per employee dollar (%), employee salary percentage eligible for match, initial retirement balance, annual effective growth (%), years.
- Choose a display currency, then select Calculate. Results also update after a brief pause while you edit.
- Read the result with the assumptions below. Export details or save a second scenario to compare your choices.
Formula and method
Assumptions and limitations
No statutory401(k)/403(b)/IRA limits, vesting, taxes or wage growth; this is a plan-rule scenario, not country eligibility.
Worked example
At salary 50,000, a 6% employee contribution is 3,000. A 50% match on contributions up to 6% of salary adds 1,500. With no starting balance, no growth and ten end-year contributions, the total is (3,000 + 1,500) × 10 = 45,000. This example does not apply statutory retirement-account limits.
What the result means
Project savings with an explicitly entered employer matching formula.
Common questions
How is the calculation performed?
Employee annual contribution=salary×employee%; match=salary×min(employee%,cap%)×match%; grow with end-year contributions.
What does the model leave out?
No statutory401(k)/403(b)/IRA limits, vesting, taxes or wage growth; this is a plan-rule scenario, not country eligibility.
Methodology and transparency
Calculation specification reviewed on 2026-10-14. Mathematical implementation is tested against independent reference fixtures. This does not imply review by a licensed financial professional. Read the testing and precision policy.