How is the 401(k) Match Maximizer calculated?

We estimate how much of your employer’s 401(k) match you’re capturing versus leaving behind, and what that gap would grow to by retirement if it went unclaimed each year.

What data and assumptions does it use?

Standard employer-match mechanics and the public-domain future-value-of-an-annuity formula. The growth rate is a shown, configurable assumption.

Savings · Live reading

401(k) Match Maximizer

Stop leaving free 401(k) money behind. Move a dial — your result responds instantly.

Calibrate

Drag to set each value — estimates are fine.

Annual salary

Your gross yearly pay.

Your contribution

Percent of salary you put in.

Employer match rate

How much of your contribution they match (e.g. 50%).

Match limit

Matched up to this percent of your salary.

Years until retirement

How long until you retire.

Annual return

Expected yearly growth on the missed match.

What the gap costs you by retirement

Each year

You’re getting

Full match available

If you don’t fix it

Missed this year

Cost by retirement

Charles Melita

CDM Financial Services

Turn this reading into a plan — a quick conversation is the fastest next step.

CMelita@NLGroupmail.com

What this means for you

Get a plain-English summary of your reading.

Levers that move this

Annual salary
Your contribution
Employer match rate
Match limit
Years until retirement
Annual return

Drag these dials above to see the effect instantly.

Track your progress over time

Save your reading and watch it change as you adjust your plan — create a free account in seconds.

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Also share my saved results with CDM Financial Services so they can help me plan

How this is calculated →

An educational estimate of employer-match mechanics using the figures and a growth assumption shown with your results; it is not advice. Confirm your plan’s match formula and IRS contribution limits.