Your contribution
You may need to direct part of each paycheque to the workplace plan to qualify.
Focused decision guide
How could employer matching affect my retirement plan?
Some workplace plans add an employer contribution when you contribute. The plan formula—not a general rule—determines the amount you may receive.
Understand the choice
What changes—and what you give up.
Employer contribution
The additional amount can increase long-term saving without being part of your personal contribution.
Plan restrictions
Eligibility, vesting, withdrawal rules, account type and contribution limits can all matter.
Before comparing
The assumptions that matter most.
- The matching formula and maximum match
- When you become eligible
- Whether employer amounts vest immediately
- How long you expect contributions to continue
Test the question
Use the guide with a planning tool.
Enter a rough amount only after checking your benefits booklet, plan website or employer.