Retirement calculator
401(k) Match Maximizer
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.
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401(k) Match Maximizer
Confident
Identifies new prospects through ProspectMatch
Every visitor who runs the 401(k) Match Maximizer can be identified — a verified email at minimum, often a full name and postal address — and added to your prospects in ProspectMatch. No form fill required.
The method
How it works
01
Your contribution = salary × your contribution rate.
02
Matchable pay = salary × the employer’s match-limit rate; matchable contribution is the smaller of your contribution and that cap.
03
Employer match = matchable contribution × the employer’s match rate. The full match available = the cap × the match rate.
04
Unclaimed match = full match − the match you’re getting.
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We grow that unclaimed match as a yearly deposit to retirement at the assumed return (future value of an annuity).
employerMatch = min(salary·yourPct, salary·limitPct)·matchRate; maxMatch = salary·limitPct·matchRate; unclaimed = max(0, maxMatch − employerMatch); futureCost = unclaimed · ((1+r)^years − 1) ÷ r.
Turn 401(k) Match Maximizer visitors into named prospects.
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