How Much Does Amazon Match 401k and Who Is Eligible

Amazon matches 401(k) contributions, but not immediately. You have to work at Amazon for at least 90 days to be eligible for the match.

Amazon matches 50% of your 401(k) contributions, up to 4% of your salary. This means if you contribute 4% of your salary to your 401(k), Amazon will contribute another 2% on top of that.

Amazon's 401(k) match is a great perk for employees, and it's a significant benefit that can help you save for retirement.

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Amazon's 401(k) match is a great perk for employees. Amazon matches 50% of your first 4% 401(k) contributions, up to $6,900 in 2024.

To get the full match, you need to contribute at least 4% of your base salary. This means Amazon will contribute 2% of your base salary, as seen in Example 1.

The match vests after 3 years, so if you leave Amazon before then, you'll lose the employer match. However, your personal contributions will still be yours.

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The income limit for the match is $350,000 in 2025, and the maximum match is $7,000 in 2025. You can contribute from 1% to 90% of your eligible pay, subject to the annual IRS limits.

Here's a quick breakdown of the match:

Amazon's match is not immediate vesting, unlike Facebook and Microsoft. You need to stay with the company for 3 years to get the match, as seen in Example 5.

You can contribute up to 4% of your eligible pay to receive the full match, as seen in Example 3.

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Amazon matches 50% of your 401(k) contributions up to 4% of your eligible pay, but there's a catch. You need to contribute at least 4% to receive the full 2% match.

You become vested in matching contributions after you've worked for Amazon for three years and completed 3,000 hours of service. This means you'll own the employer match if you leave the company before that point, although your personal contributions will still be yours.

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Here are the details of Amazon's 401(k) plan:

Amazon's 401(k) contributions are a great perk, but the details are worth understanding. Amazon matches 50% of employee contributions, but the maximum contribution is up to 4%.

You'll get your match immediately if you work for Facebook or Microsoft, but with Amazon, you'll have to stay with the company for three years to vest your match. This means you'll get to keep the company's contribution if you leave after three years.

All Amazon workers over 18 can join the 401(k) program from their first day of work, including rehires and seasonal workers.

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Amazon's 401k match is a generous benefit that can really add up. If you contribute the maximum amount of $19,500 per year, Amazon will match 50% of your contributions, up to 4%.

This means that if you contribute $4,000 (4% of $100,000 base salary), Amazon will add another $2,000 to your 401k plan. Amazon's contribution will translate to 2% of your base salary, so if you earn $160,000 per year, you can expect an additional $3,200 from Amazon.

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Amazon's 401k match is competitive with other top tech companies, but it's worth noting that Facebook and Microsoft offer 7% and 6% matches, respectively. Unfortunately, Amazon's maximum contribution is lower than its competitors.

However, Amazon's 401k vesting is not immediate, unlike Facebook and Microsoft. You'll need to stay with the company for three years to receive your match.

Eligibility is a crucial aspect of contributing to a 401(k) program. All Amazon workers over the age of 18 can join the Amazon 401(k) program from their first day of work with the company.

This means you don't have to wait for a certain period of time or meet specific requirements to start contributing to the program. This applies to rehires and seasonal workers as well.

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