401k Employer Match Cost Calculator

Your 401k match formula directly affects your annual benefits budget and your talent competitiveness. This calculator shows total match liability under different participation assumptions so you can design or budget a competitive plan.

Workforce Data

Eligible Employees

Average Annual Salary ($)

Estimated Participation Rate (%)

Avg Employee Contribution (%)

Match Formula

Match Structure

Match Cap (% of salary)

Vesting Schedule

401k Match Cost Summary

Annual Match Per Employee

Total Annual Match Cost

Match as % of Payroll

Participating Employees

Total Eligible Payroll

Participating Payroll

Match Formula

Vesting Schedule