How Much 401(k) Match Money Am I Leaving on the Table?
Translate a match percentage into monthly dollars.
Start here
If you ever wondered how much match money you miss each month, you are not alone.
The belief vs the reality
The common belief is you can catch up later. The reality is missing the match is a monthly pay cut right now.
Translate it into monthly numbers
- Translate the match percent into monthly dollars.
- Compare the match to your monthly take-home.
- See what contribution level captures the full match.
Mental model
Salary times match percent divided by 12 equals monthly match.
Moment of clarity
Here is what actually matters: the monthly match amount, not the percentage.
What to do next
See the monthly match amount first, then decide what fits in your budget.
Related calculators
This is where guessing stops and numbers start.
Key sections in this guide
Translate the match percent into monthly dollars
- Percentages are abstract. Monthly dollars make the choice real.
See the take-home impact of contributing
- Contributions reduce take-home, but the match adds value in the same month.
Compare match dollars to monthly priorities
- Seeing the monthly match helps you decide what is worth it.
Replace guesses with real numbers
- Run your match percentage against your actual salary.
FAQ
What is a 401(k) match in dollars per month?
Multiply your salary by the match percent and divide by 12 to see the monthly amount.
Does contributing reduce take-home pay?
Yes, but the match adds value, and taxes can also change the net effect.
What if my employer changes the match?
The monthly value changes. Recheck the math any time the policy changes.
How do I compare match dollars to other monthly needs?
Put the monthly match amount next to your bills and see the tradeoff clearly.
More from Future You (Retirement and Long Term)
More guides in this category are coming soon.