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401(k) Savings Plan match calculator

  • Do you have at least one year of service as of Jan. 1 of this year?
  • Is your Total Annual Cash Compensation less than $1,000,000?
  • Do you need help determining how much to contribute to before-tax and/or Roth for the rest of this year to get the full match?

If you answered YES to all of these questions, use this calculator to help you maximize your match.

If you answered NO to any of these questions, contact the 401(k) Savings Plan Call Center at 866-576-2401 to verify your match eligibility and/or for assistance with your calculation, if applicable.

Reminder: To get the full 5% match, make sure your before-tax and/or Roth contributions equal at least 5% of your total Eligible Compensation (this includes your Ongoing Compensation for the whole year, plus the cash portion of any Annual Incentive Compensation, generally paid in January or February), up to the IRS and Plan limits. Please note that the calculator assumes that you are eligible for the match the entire year.


Enter your information below, then click Calculate to see the figures you'll need to maximize your match.
Future Date
Total Annual Cash Compensation is your rate of annual base salary/regular pay plus any applicable job differential pay (e.g., shift pay) as of each Aug. 1, plus any cash earnings from any incentive plans (e.g., annual incentive, commissions, draws, overrides, and special recognition payments or incentives) that are paid to or deferred by you for the previous 12-month period ending each July 31. Overtime is not included. For purposes of determining your eligibility to receive matching contributions and non-matching employer contributions under the Plan, your Total Annual Cash Compensation is recalculated as of each Aug. 1 to take effect the following Jan. 1 and will remain unchanged throughout the year. For most employees hired on or after Aug. 1, Total Annual Cash Compensation will be equal to their rate of annual base salary/regular pay plus job differentials. To view your Total Annual Cash Compensation amount, go to the Benefits Web Center and select Personal Details.
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Your Ongoing Compensation is your base salary/regular pay, plus applicable job differential pay (e.g., shift pay) along with non-annual cash incentives, which are paid throughout the year, such as sales awards and monthly and quarterly incentives. It also includes any cash incentives paid annually other than Annual Incentive Compensation. It does not include overtime payments, sign-on bonus and similar awards, referral awards, stipends, non-cash awards (such as equity awards) and allowances.
Note: Do not include Annual Incentive Compensation here.
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Please enter your estimated annual Ongoing Compensation
This is the cash portion of your Annual Incentive Compensation awarded under the firm's Performance-Based Incentive Plan (generally paid in January) or Branch Profitability Incentive Plan (generally paid in February). You can verify this number by looking under Earnings on your pay statement.
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Amount entered cannot be a negative number
Find your year-to-date (YTD) contributions in the JPMorgan Chase 401(k) Savings Plan on your latest pay statement by adding together the "YTD Amount" shown (if any) for 401(k) Before Tax Contribution, 401(k) Before Tax AIC Contribution, 401(k) Roth Contribution and 401(k) Roth AIC Contribution under the section labeled Deductions. You may also contact a Client Service Representative in the 401(k) Savings Plan Call Center for assistance.
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Please enter the amount you have contributed so far this year
Please select the number of paychecks you receive per year
Here is the information you need to maximize your match:

Match-eligible compensation: B1 

Your estimated Eligible Compensation is your Ongoing Compensation plus your Annual Incentive Compensation; this and your Total Annual Cash Compensation determines the maximum company match you may receive on your before-tax and/or Roth contributions. This estimate is based on your previous entries. Note: The 2025 annual IRS compensation limit for calculating match is $350,000. Keep in mind that if your Total Annual Cash Compensation (determined as of Aug. 1 to take effect on Jan. 1 of the following year) is $1,000,000 or more, you are not eligible to receive matching contributions.

$0

$350,000


Potential maximum match: B2 

This is the estimated maximum amount of match you could receive this year, based on the Eligible Compensation and Total Annual Cash Compensation amounts you entered into the calculator. If your Total Annual Cash Compensation is less than $350,000, your before-tax and/or Roth contributions are eligible for dollar-for-dollar matching contributions of up to 5% of Eligible Compensation; if your Total Annual Cash Compensation is between $350,000 and $999,999, your before-tax and/or Roth contributions are eligible for matching contributions up to 5% of Eligible Compensation (up to the IRS limit), capped at $10,000 annually. If your Total Annual Cash Compensation is $1,000,000 or more, you are not eligible to receive matching contributions.

$0


Estimated paychecks remaining this year: B3 

This is an estimate of your remaining paychecks for this year. Depending on when you use this calculator, this estimate may not include your next one to two paychecks.

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Hidden Calculations

Match as a percentage of base salary: H1

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Amount to contribute on each remaining paychecks: H2

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Gross amount per paycheck: H3

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Percent per paycheck: H4

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Paychecks Per Year: H5

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Estimated match contribution [B2](minus) Amount contributed so far this year [A3]H6

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Today's Date H7

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Future Date H8

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To get the maximum match this year, contribute:

- %

per paycheck as before-tax and/or Roth for the rest of the year.

(This is the approximate percentage you need to contribute to maximize the match.)

For future years, one way to ensure you receive the full 5% match is to contribute 5% on a before-tax and/or Roth basis (up to the IRS and Plan limits) from both your per-pay (Standard) rate and Annual Incentive Compensation (Other) rate, if any.

Important information about the calculator

The "401(k) Savings Plan match calculator" is a tool for match-eligible employees. You're eligible for match if you have completed one year of service and have Total Annual Cash Compensation of less than $1,000,000 (determined as of Aug. 1 to take effect the following Jan. 1 and remain unchanged throughout the year). If your Total Annual Cash Compensation is less than $350,000, your before-tax and/or Roth contributions are eligible for dollar-for-dollar matching contributions up to 5% of Eligible Compensation; if your Total Annual Cash Compensation is between $350,000 and $999,999, your before-tax and/or Roth contributions are eligible for matching contributions up to 5% of Eligible Compensation (up to the IRS limit), capped at $10,000 annually. To view your Total Annual Cash Compensation amount, go to the Benefits Web Center and select Personal Details. Generally, you must be employed on Dec. 31 to receive the match.

By inputting your personal information, the calculator estimates how much you might consider contributing through the rest of the year in before-tax and/or Roth per-pay (Standard) contributions to maximize the match. The calculator assumes that you are eligible for the match the entire year. Therefore, if you did not have a year of service by Jan. 1 of this year, do not use the calculator.

There are a few variables that can impact your actual receipt of the full 5% match. These include but are not limited to:

  • The accuracy of the numbers you input. The calculator is based on your inputs (which may contain estimates) and therefore, the results it displays are estimates. Using the calculator and its estimates does not guarantee you'll maximize the match.
  • When your before-tax and/or Roth per-pay (Standard) contribution rate change becomes effective. Since per-pay (Standard) contribution rate changes may not become effective with the very next paycheck, the calculator does not include the upcoming paycheck when calculating the remaining paychecks for the year. If you change your per-pay (Standard) contribution rate and the timing is such that the change is effective with the next paycheck, your total contributions at the end of the year may slightly exceed the potential maximum match amount. Any before-tax and/or Roth contributions above 5% of your Eligible Compensation will not be matched. Additionally, non-Roth after-tax contributions are not match eligible. Note that the per-pay (Standard) contribution rate applies to your Ongoing Compensation, defined above, and is not applied to the cash portion of your Annual Incentive Compensation, if any. Annual Incentive Compensation (Other) rate applies only to the cash compensation awarded, if any, under the firm's Performance-Based Incentive Plan (generally paid in January) or Branch Profitability Incentive Plan (generally paid in February).

To make the most of the calculator, we recommend you perform your calculation and increase your per-pay (Standard) contribution rate on the same day.