FreeByte

Employer match calculator

Free money you may be leaving behind.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
4%
6%
6.5%

Match received

$3,120

Match missed

$1,560

With these inputs, match received comes to $3,120 over 25 years. Match missed works out to $1,560. The result assumes return stays at 6.5%.

Match value at retirement
$194,697
Missed value at retirement
$97,349

Over time · by years

What moves the number · Match received

Input−10%Now+10%
Salary$2,808$3,120$3,432
Your contribution$2,808$3,120$3,432

Solve for an input

Whatmakesequal

Compare scenarios

Save this set of inputs, change something, then save again to compare the outcomes side by side.

Free money you may be leaving behind.

A worked example

Starting figures

Salary
$78,000
Your contribution
4%
Employer match up to
6%
Years
25
Return
6.5%

What it returns

Match received
$3,120
Match missed
$1,560
Match value at retirement
$194,697
Missed value at retirement
$97,349

How to read the results

With the defaults above, match received works out at $3,120.

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