US 2028 401k Match Strategy

2028 401(k) match: typical 50% on first 6% = max match if contribute 6%+. Max out by year-end vs spread evenly — true-up provisions matter.

Annual salary ($)

Match % (employer)

Match cap % salary

Your contribution %

Total

—

Employer Match

—

Left on Table

—

Your contribution	—
Employer match	—
Total to retirement	—
Match left on table	—

401(k) employer match 2028: typical 50% match on first 6% of salary. Always contribute at least the match cap — 'free money'. True-up provisions: some employers reconcile annually so front-loaded contributions still get full match. Without true-up: spread contributions evenly to capture each pay period's match.

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Last updated May 2026. Sources: IRS.