See if you're capturing your full employer 401(k) match this year, and what your overall savings rate looks like once you add in other savings and income.
How to use this: Enter your salary and your own contribution percentage. Then build your employer's match formula as a list of tiers — most plans use one or two, like "100% match on the first 3%, then 50% on the next 2%." Add any other savings, investments, or income separately below; this is a snapshot of this year only, not a long-term growth projection.
Salary & your contribution
Employer match formula
Build this from your plan document or benefits portal. Add a tier for each part of the formula, in order — leave it at one tier if that's all your plan has.
Other savings & investments
Optional — feeds your overall savings rate below, so it reflects your full picture, not just your 401(k). Add anything else you're setting aside (IRA, brokerage, plain savings) with your own label and amount.
Other household income
Optional — used as the denominator for your savings rate below, so it's measured against your true total income, not just salary. Kept separate from salary itself (a spouse's income, side income, and similar).
Employer match
Are you capturing all of it?
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Overall savings rate
Everything saved ÷ total income
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Retirement contributions (yours + employer match) plus anything listed under other savings & investments, divided by your total income.
This year's savings breakdown
Your 401(k) contribution
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Employer match
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Other savings & investments
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Total saved this year
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Salary, contribution, match tiers, savings lines, and other income are saved automatically in this browser on this device.
Educational estimate, not financial advice. This is a snapshot of this year only — it does not project account growth, compounding, or future value at retirement. Your employer's actual match formula, vesting schedule, and any contribution or compensation caps come from your plan document, not this calculator; enter tiers that match what you were told, and double-check anything that affects real money against your plan's summary. "Other savings & investments" and "other income" are whatever you choose to enter — nothing here is verified or categorized by account type, tax treatment, or contribution limits. Full disclaimer.