401(k) Calculator – Contributions and Match
Project annual contributions and an employer match with a fixed assumed return.
Formula
Match = min(contribution, cap)×match%; D = contribution+match; balance = P(1+r)^n + D[(1+r)^n−1]/r, r = annual%/100; at r=0: P+nD.
Annual employer match ≈ min((3,000),(3,000))×(50)÷100 · Total annual deposit ≈ (3,000)+(1,500) · Projected balance ≈ (10,000)×exp((20)×log1p((5)÷100))+(4,500)×expm1((20)×log1p((5)÷100))÷((5)÷100)
How to use
- Enter savings and annual contributions.
- Enter your plan’s eligible cap and match rate.
- Set return and years; review the balance.
Examples
- 1000 initially, 100 employee + 100 match yearly, 10% for 2 years: 1630.
Frequently asked questions
Are legal limits included?
No. Enter amounts permitted by your plan and applicable rules.
When is the match paid?
This model deposits employee and employer amounts at each year end.
Does it include tax or vesting?
No. It assumes full ownership of the match; tax, fees and inflation are excluded.
Sources
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