Calculadora de Contribuição do Empregador
Calcule quanto ganha com a contribuição do empregador ao fundo de pensão.
50% means 50 cents per dollar you contribute
Employer matches up to this % of your salary
Annual Employer Match
$2,400
Annual Employer Match vs Years of Employment
Formula
Employer 401(k) Match
An employer match is essentially free money added to your retirement account based on your contributions.
Common Match Formulas
Formula
Annual Match = Salary x min(Your%, Match Limit%) x Match Rate
The Cardinal Rule
Always contribute at least enough to get the FULL employer match. Not doing so is turning down free money -- an immediate 50-100% return on your contribution.
Exemplo Resolvido
$80,000 salary, contributing 6%, employer matches 50% up to 6%, 20 years at 7%.
- 01Your contribution = $80,000 x 6% = $4,800/year
- 02Employer match = $4,800 x 50% = $2,400/year
- 03Total annual = $4,800 + $2,400 = $7,200
- 04Match future value = $2,400/yr at 7% for 20 years = ~$98,400
Perguntas Frequentes
What does a 50% match up to 6% mean?
If you contribute 6% of your salary, your employer adds an additional 3% (50% of your 6%). If you contribute less than 6%, the match is proportionally less. If you contribute more than 6%, the match stays at 3%.
Should I contribute more than the match limit?
First, contribute enough to get the full match. Then consider whether to put extra money in a Roth IRA ($7,000 limit), then max out the 401(k) ($23,500 limit in 2025). The match is the highest-return investment available.
What is a vesting schedule?
Some employers require you to stay a certain number of years before you fully own the match. Common schedules: 3-year cliff (0% until year 3, then 100%) or 6-year graded (20% per year). Check your plan documents.
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