401(k) Contribution Optimizer
Maximize your employer match without exceeding IRS contribution limits.
Free 401(k) Contribution Optimizer — Capture Your Full Match
Are you leaving free money on the table? About 1 in 4 Americans don't contribute enough to their 401(k) to get the full employer match — that's literally turning down a 50–100% return on investment. Use this optimizer to find your sweet spot.
How to use this tool
- 1
Enter your salary and age
Age determines if you qualify for the $7,500 catch-up contribution (50+).
- 2
Set your contribution %
How much of each paycheck you're putting in.
- 3
Add your employer match terms
e.g., '50% match up to 6% of salary'.
- 4
See if you're capturing the full match
We'll flag if you're missing free money.
Pro tips
- Always contribute at least up to the full employer match — it's an instant 50–100% return.
- After capturing the match, max out a Roth IRA next ($7,000 limit in 2024) — more flexibility than 401(k).
- 2024 401(k) limit: $23,000 (under 50) / $30,500 (50+). Max it if you can — huge tax savings.
Frequently asked questions
What's a 401(k) match?
Your employer adds money to your 401(k) for every dollar you contribute, up to a limit. Common: 'we match 50% of your first 6%' = +3% of salary free.
Is the employer match taxed?
No — match is pre-tax and grows tax-deferred until withdrawal at retirement.
Should I do Roth or Traditional 401(k)?
Roth if you expect higher taxes in retirement (younger workers). Traditional if you expect lower taxes (peak earners).
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