Money & Finance · Free tool
401(k) Match Optimizer
Pick a contribution % that captures the full employer match without over-contributing to an unmatched tier.
Updated April 2026
Total per year
$5,100
Match left on table
$850
33% of max match missed
| Your contribution | $3,400 |
| Employer match | $1,700 |
| Max possible employer match | $2,550 |
| 2026 contribution limit | $24,000 |
Increase your contribution to at least 6% to capture the full employer match.
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What it does
Maximize your employer match without wasting unmatched contributions.
Runs entirely in your browser — no upload, no account, no watermark. For more tools in this category see the full tools index.
How to use it
- Enter salary.
- Enter match formula.
- Read optimal contribution %.
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