401(k) Contribution Calculator

About this calculator

This calculator breaks a 401(k) contribution down to the paycheck level: entering your salary, pay frequency, your contribution percentage (or flat dollar amount), and your employer's match formula shows exactly how much comes out of each paycheck and how much your employer adds on top. It's the practical companion to a long-term growth projection — the number that actually shows up on your pay stub.

Employees use this to check they're contributing enough to capture the full employer match — often described as leaving free money on the table if you don't — and to see the real take-home-pay impact of raising or lowering their contribution rate before making the change through payroll. Because match formulas vary (a straight percentage, a tiered match, or a cap in dollars), plugging in your specific plan's terms gives an accurate per-paycheck number rather than a generic estimate.