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401(k) employer match 2026: 100% of 4% on $100k = $4,000

Estimate the employer match on recognized pay. 2026 IRC 401(a)(17) compensation cap $360,000.

The figures in the title are an example. Change the inputs to see your result.

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Enter pay and match formula.

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401(k) 2026: $10,000 YTD → $14,500 left

IRS 2026 elective deferral $24,500 + catch-up 50+ $8,000 or ages 60–63 $11,250. Example: $10,000 YTD at age 40 leaves $14,500.

401(k) annual additions 2026: $72,000 §415(c)

Lesser of 100% of pay or $72,000. Employee deferrals + employer contributions vs the IRS annual additions cap.

US paycheck: $2,000 biweekly leaves $1,651.15

Single, $2,000 biweekly: federal tax $195.85 and FICA $153. You take home $1,651.15. A 10% 401(k) leaves $1,475.15.

More United States calculators (paycheck, FICA, overtime and withholding).

401(k) Employer Match Calculator United States 2026

Plans usually match a percent of pay. IRS annual compensation for 2026 is $360,000 (COLA table). Pay above that is ignored here.

Match on recognized pay

recognized pay = min(compensation, $360,000)

matched % = min(your deferral %, plan cap %)

employer match = recognized pay × matched % × match rate

Worked example

$100,000, 6% deferral, 100% of the first 4%: $4,000 match.

$400,000 with the same formula: recognized $360,000 → $14,400.

Related: 401(k) deferral limit, paycheck.

$60,000 with 100% of the first 4% is $2,400: IRA vs 401(k), match first.

$90,000 with 100% of the first 6% is $5,400: match 100% of 6%.

$72,000 with 100% of the first 4% is $2,880: match 100% of 4%.

$84,000 with 100% of the first 5% is $4,200: match 100% of 5%.

$66,000 with 100% of the first 3% is $1,980: match 100% of 3%.

$78,000 with 50% of the first 5% is $1,950: match 50% of 5%.

$96,000 with 50% of the first 4% is $1,920: match 50% of 4%.

Not tax advice

Vesting, true-up, and §415(c) $72,000 are out of scope.

Official sources

2026 IRC 401(a)(17) annual compensation limit.

Match uses the lesser of your deferral % and the plan cap.

No.