Vesting
Vesting is how you earn full ownership of employer contributions over time. Your own contributions are always 100% yours, but matching funds may vest gradually — you might keep 20% after one year, 40% after two, and so on, forfeiting the unvested portion if you leave early.
Vesting schedules are common with 401(k) matches, stock options, and RSUs. Knowing your schedule matters before changing jobs: leaving a month before a vesting date can cost real money you'd otherwise keep.
Put it to work
401(k) Calculator
Project your 401(k) balance at retirement — including the employer match — and check your contributions against the 2026 IRS limit of $24,500.
Retirement Calculator
Project your retirement savings: what your balance could reach by retirement age and the monthly income it could sustainably provide.