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match-band matrix · scored comparison matrix

Apply Employer Retirement Matching as Marginal Bands, Not One Flat Rate

A plan saying '100% on the first band, then 50%' is not offering a 50% match on every dollar. Keep marginal bands visible before comparing a payroll contribution with the employer amount described in the plan.

1 · Band code | employee lower % | employee upper % | employer match % in band

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HYPOTHESIS / PROTOTYPE — checkout unavailable. Calculation is local. A draft is saved automatically in this browser profile when storage is available; Reset to sample clears it. Optional Pro history stores only five summaries and has its own deletion control. State links encode your inputs and can remain in browser history, clipboard or recipients’ records; share only non-sensitive rows. Optional external AI formatting leaves this device. The required site analytics beacon reports page activity; shared URLs contain encoded inputs. Do not treat an encoded URL as private. The calculator has no input-collection endpoint.

Data note: The match-band matrix processes Band code | employee lower % | employee upper % | employer match % in band locally. Starter/sample selection and Run compute in this tab; no input is sent by the calculator. A local draft may be saved; explicit state-link sharing or optional external AI formatting can disclose inputs. Use non-sensitive labels.

Perspective: Before: a headline match rate blurred marginal bands and benefit conditions. After: each used band contributes a visible percentage of eligible pay.

2 · Read the match-band matrix

Plan-schedule arithmetic only, not retirement, tax or employment-law advice or proof of benefits owed. Ask HR or the retirement-plan administrator to confirm eligible pay, timing, limits, eligibility and vesting; consult a qualified adviser before changing elections.

Optional filing controls are a local prototype.

Checkout is unavailable. The reading above is complete; print, CSV and five local summaries are optional enhancements, not hidden answers.

Before using the match-band matrix

Copy the band's lower and upper contribution percentages and the employer's marginal match rate from the actual plan explanation. Use percent of eligible pay, not gross pay unless the plan defines them as equal. This tool reports an employer percentage only; it does not infer a currency amount, annual tax limit, entitlement or investment return. Bands must start at zero, be ordered, touch exactly and have increasing endpoints up to 100%. A zero-rate band can explicitly represent an unmatched interval. If contribution extends above the final band, the excess is reported as outside the entered match schedule. Confirm whether actual matching occurs per paycheck, annually or with a true-up before comparing the model with a pay statement.

Boundary and sources

Plan-schedule arithmetic only, not retirement, tax or employment-law advice or proof of benefits owed. Ask HR or the retirement-plan administrator to confirm eligible pay, timing, limits, eligibility and vesting; consult a qualified adviser before changing elections.

Mechanism: competence-autonomy-loop

Optional AI formatting, never the calculation

Manual entry completes this match-band matrix for free without signup. If available to you, the free AI Studio interface linked in the sources may format fictional or non-sensitive notes; external access may require an account. No API key or AI call is built into this tool. Free-tier content may be used to improve products. Review each cell and transcribe it to the labeled row schema; do not paste the JSON object into the row box.

Format only these fictional or non-sensitive notes for a match-band matrix. Return strict JSON shaped as {"rows": [{"label": "string", "cells": ["string", "string", "string"]}], "setting": "string"}. The columns are Band code | employee lower % | employee upper % | employer match % in band; the setting is Employee contribution as percent of eligible pay. Keep all supplied strings and quantities exactly; do not calculate, infer missing entries, invent dates or add advice. If any required value is missing, return an empty rows array and ask me for it separately. I will verify every cell against my source and manually transcribe rows using vertical bars before running the local calculator.

An AI response is not executed, fetched or trusted as a result. Missing values remain questions; the strict local parser checks the rows you actually enter.