401(k) employer match optimizer API

Compute the employer 401(k) match with employerMatch = salary·min(contrib%, cap%)/100·matchRate/100, returning employee contribution, employer match, total contribution, and crucially the free money left on the table when contributing below the cap. Answers 'how much 401k match do I get','am I capturing the full employer match','how much free money am I missing'.

Price$0.01per request

MethodPOST

Route/v1/calc/pf-401k-match

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calc401kemployer-matchretirementbenefitsfree-moneypersonal-financecontributions

API URLhttps://x402.hexl.dev/v1/calc/pf-401k-match

Integration docs

Example request

{
  "salary": 100000,
  "contributionPercent": 4,
  "matchPercent": 100,
  "matchUpToPercent": 6
}

Example response

{
  "formula": "employerMatch = salary · min(contrib%, cap%)/100 · matchRate/100",
  "employeeContribution": 4000,
  "employerMatch": 4000,
  "totalAnnualContribution": 8000,
  "freeMoneyLeftOnTable": 2000,
  "capturingFullMatch": false,
  "breakdown": {
    "salary": 100000,
    "contributionPercent": 4,
    "matchPercent": 100,
    "matchUpToPercent": 6,
    "matchedPercent": 4
  }
}

Input schema

{
  "type": "object",
  "required": [
    "salary",
    "contributionPercent"
  ],
  "properties": {
    "salary": {
      "type": "number",
      "examples": [
        100000
      ]
    },
    "contributionPercent": {
      "type": "number",
      "description": "employee deferral as percent of salary",
      "examples": [
        4
      ]
    },
    "matchPercent": {
      "type": "number",
      "description": "match rate, default 100 (dollar-for-dollar)",
      "examples": [
        100
      ]
    },
    "matchUpToPercent": {
      "type": "number",
      "description": "salary-percent cap, default 6",
      "examples": [
        6
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}