Arbeitgeberzuschuss-Rechner — Formel

Employer 401(k) Match

A common match structure is 50% of your contributions up to 6% of salary.

Match = min(Your Contribution, Salary x Match Limit) x Match Rate

Common Match Formulas

FormulaExample ($80k salary) 50% up to 6%$2,400/year 100% up to 3%$2,400/year 100% up to 6%$4,800/year

Not contributing enough to get the full match is like leaving free money on the table.

Lösungsbeispiel

$80,000 salary, contributing 6%, employer matches 50% up to 6%.

  1. Your contribution = $80,000 x 6% = $4,800
  2. Matchable amount = min($4,800, $4,800) = $4,800
  3. Employer match = $4,800 x 50% = $2,400
  4. Total = $4,800 + $2,400 = $7,200/year