Calculators › Personal Finance & Tax › RRSP / 401(k) Tax-Refund Calculator › 401(k) Match Calculator
Calconomics

401(k) Match Calculator

Your employer's 401(k) match is free money — but only if you contribute enough to capture it. Enter your salary, your contribution percentage, and your employer's match formula to see the match you'll earn and any you're leaving behind.

Your 401(k)

$
%

Employer match

%
%
Total into your 401(k)
$5,400
you + employer
Employer match (free money)
$1,800

The numbers

Your contribution$3,600
Match left on the table$0
Free · part of the RRSP / 401(k) Tax-Refund Calculator toolkit
Open the full calculator →⤓ Keep this one (free)

How it's calculated

Our methodology & 2026 data sources →

Frequently asked questions

What does '50% match up to 6%' mean?
Your employer adds 50 cents per dollar you contribute, on the first 6% of your salary. Contribute at least 6% to get the full match.
Is the match taxed now?
No — employer match goes into your 401(k) pre-tax and grows tax-deferred. The full refund/retirement picture is in the RRSP/401(k) hub.

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