401(k) example · Educational math
How much is a 401(k) contribution on $100,000 with 10% deferral and 100% match up to 4%?
Stated sample match rules—not investment advice.
Calculator · How we calculate · Questions
Direct answer
Direct answer (stated sample only): on $100,000 salary with 10% employee deferral and a 100% employer match up to 4% of salary, you contribute about $10,000/yr and the employer about $4,000/yr (total about $14,000/yr). Full sample match is captured at this deferral rate. Optional 15-year projection at 7% sample return ends near $376,433. Not investment advice.
Compare employee contribution %
Same salary ($100,000) and match (100% up to 4%).
| Your % | You | Employer | Missed |
|---|---|---|---|
| 4% | $4,000 | $4,000 | $0 |
| 6% | $6,000 | $4,000 | $0 |
| 8% | $8,000 | $4,000 | $0 |
| 10% | $10,000 | $4,000 | $0 |
| 12% | $12,000 | $4,000 | $0 |
Educational estimate only. Not investment, tax, or retirement advice. Match formulas vary by employer; growth is a constant-rate sample, not a forecast.
Compare your contribution %
Same salary and match rules| Your % | You | Employer | Total / yr | Missed match |
|---|
Year-by-year projection
Educational growth path| Year | You | Employer | End balance |
|---|
Related
Common questions
How much do I and my employer contribute on $100,000 with 10% deferral and 100% match up to 4%?
Direct answer (stated sample only): on $100,000 salary with 10% employee deferral and a 100% employer match up to 4% of salary, you contribute about $10,000/yr and the employer about $4,000/yr (total about $14,000/yr). Full sample match is captured at this deferral rate. Optional 15-year projection at 7% sample return ends near $376,433. Not investment advice.
Is this my real employer match?
Not necessarily. Match formulas vary. Adjust match rate and “up to” percent to match your plan summary.
How do I change the numbers?
Open the prefilled 401(k) calculator and edit salary, deferral %, match rules, years, or return.
Educational only. Last reviewed: August 9, 2026.