Read the match formula before using a plan percentage
Employee deposits equal annual compensation multiplied by the employee percentage. Employer deposits apply the match percentage to the smaller of the employee percentage and the eligible-pay percentage, using compensation limited by your entered cap. A separate annual employer-contribution cap limits the resulting match.
A hypothetical matching example
At $60,000 annual compensation, a 6% employee rate means $3,600 per year. A 50% match on deposits up to 6% of pay produces $1,800 employer deposits if the entered caps do not reduce it. The combined $5,400 is split into $450 end-of-month deposits for the growth schedule.
This is growth, not compliance automation
The model keeps compensation and percentages constant and does not enforce real contribution limits, eligibility rules, vesting schedules or tax treatment. The caps are explicitly user-defined. Compare the inputs with your plan documentation; a projected employer deposit is not a promise that a particular plan owes it.
Questions about this calculation
How can I check the inputs behind the result?
Open “Show calculation & assumptions” for the formula and timing conventions, then inspect the breakdown. Export CSV to keep the last calculated inputs and numerical results together.
Does this include taxes or changing market returns?
No tax calculation or variable market-return path is included. The task-specific assumptions above describe the scope. Calculated values are conditional on the inputs, not personalized recommendations.
Learn more
Start with the step-by-step future value formula guide.
Open the formula guide →How to calculate future value · Spreadsheet calculations · All learning guides
Use these figures to explore assumptions. Actual interest, returns, fees, taxes and purchasing power can differ.