Calculadora de Aportación del Empleador Gratis
Calcula cuánto aporta tu empleador a tu 401(k). No dejes dinero gratis sobre la mesa: optimiza tu contribución para obtener el máximo match.
Annual Employer Match
$2,400
Annual Employer Match vs Employer Match Rate
Fórmula
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
Not contributing enough to get the full match is like leaving free money on the table.
Ejemplo Resuelto
$80,000 salary, contributing 6%, employer matches 50% up to 6%.
- 01Your contribution = $80,000 x 6% = $4,800
- 02Matchable amount = min($4,800, $4,800) = $4,800
- 03Employer match = $4,800 x 50% = $2,400
- 04Total = $4,800 + $2,400 = $7,200/year
Preguntas Frecuentes
Should I at least get the full match?
Yes. The employer match is essentially a 50-100% instant return on your money. It is the best guaranteed return available and should be the first priority.
What happens to the match if I leave?
Employer matches often have a vesting schedule. You may need to work 3-6 years to own 100% of the match. Your own contributions are always fully vested.
Does the match count toward the 401(k) limit?
No. The employer match does not count toward the employee contribution limit ($23,000). It counts toward the combined employer+employee limit ($69,000 in 2024).
Aprender