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401(k) Readiness Quiz

Finance Quiz

Answer 10 questions on your 401(k) match, vesting, and fund choices to see how optimized your plan is, plus what to adjust first for retirement.

3 min · 10 questions

Question 1 of 10

Do you know your 401(k) plan's vesting schedule for employer contributions?

Contributing to a 401(k) is only part of the picture — capturing your full employer match, choosing low-cost funds, and knowing your plan's vesting schedule all meaningfully affect your actual outcome. This 10-question quiz checks how well you're managing the mechanics of your specific 401(k) plan. It takes about 3 minutes.

Once you have your result, project your contribution trajectory with the 401(k) Contribution Calculator, model overall account growth with the 401(k) Calculator, or see the bigger retirement picture with the Retirement Calculator.

Frequently Asked Questions

Each of the 10 questions awards 1 to 4 points based on how optimized that particular 401(k) habit is. Your total score (10-40) places you into 401(k) Needs a Tune-Up, Solid Foundation, or Fully Optimized.
The [Retirement Readiness Quiz](/retirement-readiness-quiz-us/) looks at your overall savings adequacy across accounts, including Social Security and Roth vs. Traditional choices. This quiz zooms in specifically on how well you're managing the mechanics of your 401(k) plan itself — match capture, fund selection, vesting, and contribution limits.
No. The quiz runs entirely in your browser and nothing is sent to a server or stored. Refreshing the page resets your progress.
Vesting determines how much of your employer's contributions you actually keep if you leave the company before a certain point — leaving too early can mean forfeiting employer money you thought was already yours.
The [401(k) Contribution Calculator](/401k-contribution-calculator-us/) projects your account balance based on your current contribution rate and shows how close you are to maximizing your annual contribution limit.
The [401(k) Calculator](/401k-calculator-us/) projects your account growth over time based on your current balance, contribution rate, and expected returns.
The [Retirement Calculator](/retirement-calculator/) takes a broader view, combining your 401(k) with other savings and income sources to estimate your overall retirement readiness.
Yes, any time — especially after a job change, since consolidating old accounts and reviewing new plan options are common triggers for retaking it.