Finance

401k Employer Match Calculator

Built by Kevin Glover · @gloverbuilds · Verified formula

Calculate your 401k employer match value. See how much free money you are leaving on the table. Free calculator.

📅 Updated April 2026 ✅ Formula verified 📖 4 min read 🆓 Free · No sign-up

In this article

How to Use This Calculator
Tips for Best Results

In Deutschland

Arbeitgeber MUSS 15% Zuschuss zur Entgeltumwandlung geben. Viele geben 50-100% Match. Bei 200 € Eigenbeitrag + 200 € AG-Match: 400 €/Monat steuerfrei gespart. 100% sofortige Rendite auf den eigenen Beitrag. IMMER den vollen Match mitnehmen!

Strategie

Minimum: genug fuer vollen AG-Match. Ideal: 10-15% des Bruttogehalts.

⚡ CalcWolf Insight

According to Vanguard, 25% of eligible employees do not contribute enough to capture their full employer match — collectively leaving $24 billion per year in free money on the table.

Frequently asked questions

Wie viel Match?▾

Pflicht: 15%. Viele AG: 50-100%. HR fragen!

Lohnt sich bAV?▾

Mit AG-Match: absolut ja. 100% sofortige Rendite auf Eigenbeitrag.

✓ Math logic verified against primary sources → See our verification process

Kevin Glover · @gloverbuilds

Founder, CalcWolf · GLVTS · Blickr

All formulas sourced from primary references — IRS publications, peer-reviewed research, and official standards. Results are tested against independent reference calculators before publishing. Rates and brackets updated when official sources change. Editorial policy →