Free stocks up to $200 — start investing your surplus toward FI

Employer match

Stop leaving free 401(k) match on the table

Employer match maximizer

Leaving match on the table is a silent tax on your FI timeline. Capture free money before optimizing brokerage accounts.

Annual salary ($)

Employer matches (% of your deferral)

Match applies up to (% of salary)

Your current deferral (% of salary)

Target deferral (% of salary)

Max annual match

$7,200

Your current match

$3,600

Match left on table

$3,600

At target deferral, estimated match: $6,000 on $6,000 of your contributions.

Simplified formula — true match schedules (tiered, true-up, after-tax) vary by employer plan document.

Automate the surplus

After the match, invest surplus in a low-cost taxable or IRA account.

Wealthfront pairs automated investing with a high-yield Cash Account. Referral perks can include a temporary APY boost and investing deposit match.

Referral link — if you sign up, the site may earn a commission at no extra cost to you.

Next: read the sequence

What to do with the number, before another tool or another calculator.

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