Money tools
Should I capture my full 401(k) match or pay down debt?
An employer match is money you only get by contributing. Past that point, paying down debt is a guaranteed return and investing is not. This works out where your spare money does the most good — and both paths take the match once the debt is gone, so the comparison is about timing, not about giving it up.
Your debt
DEBTTake-home pay you are deciding what to do with.
Your 401k
MATCHUsed only to price the tax saving on a pre-tax contribution.
of what you put in
of your salary
Enter your spare monthly amount, the debt, and a time horizon to compare.
All four happen in your browser. Your figures are not sent anywhere — the email opens in your own mail app, already filled in.
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