Citi 401(k) at a glance
| Employer match | Citi matches 100% of your before-tax and Roth contributions up to 6% of eligible pay. Since 2025, the match applies only to pay up to $200,000. |
|---|---|
| Maximum match | 6% of pay, up to $12,000 a year |
| Contribution needed for full match | 6% of pay |
| Company contribution (no match needed) | Employees with qualifying annual pay of $100,000 or less get a fixed contribution of up to 2% of eligible pay whether or not they contribute. |
| Vesting | ImmediateThe match vests immediately. Fixed and transition contributions vest after 3 years of service. |
| Eligibility | Full-time and part-time US employees can join from the first pay period after hire. |
| Automatic enrollment | New hires are auto-enrolled at 6% before-tax, increasing 1% a year up to 15%, unless they opt out. |
| Roth 401(k) option | Yes |
| Plan provider | Alight Solutions (administrator); BNY Mellon (trustee) |
| Who this applies to | US-payroll employees |
How much is the Citi match worth?
If you contribute 6% of your pay, Citi adds the full match. Here is what that means at different salaries, per year, before investment growth:
| Salary | You contribute (6%) | Citi match | Company contribution |
|---|---|---|---|
| $40,000 | $2,400 | $2,400 | $800 |
| $60,000 | $3,600 | $3,600 | $1,200 |
| $90,000 | $5,400 | $5,400 | $1,800 |
| $150,000 | $9,000 | $9,000 | $3,000 |
Illustration based on the plan terms above. Your actual match depends on eligible pay, timing and plan rules.
Good to know
- The $200,000 cap on match-eligible pay started January 1, 2025, so the most anyone can get from the match is $12,000 a year. In 2024 the cap was the IRS limit.
Other Citi retirement benefits
- Transition contributions for certain 2007 legacy employees
How to make the most of your Citi 401(k)
- Always get the full match. Contribute at least 6% of pay. It is an instant return you cannot get anywhere else.
- Check your vesting date before you change jobs, so you do not leave unvested money behind.
- Pre-tax or Roth? If you expect a higher tax rate in retirement, Roth contributions can pay off. Model it with our Roth conversion calculator.
- Watch fees and prefer low-cost index or target-date funds in the plan lineup.
- Plan the whole picture: see how your state taxes retirement income before you decide where to retire.
Frequently asked questions
Does Citi match 401(k) contributions?
Citi matches 100% of your before-tax and Roth contributions up to 6% of eligible pay. Since 2025, the match applies only to pay up to $200,000. Employees with qualifying annual pay of $100,000 or less get a fixed contribution of up to 2% of eligible pay whether or not they contribute.
When does the Citi 401(k) match vest?
The match vests immediately. Fixed and transition contributions vest after 3 years of service.
When can I join the Citi 401(k)?
Full-time and part-time US employees can join from the first pay period after hire.
Does Citi offer a pension?
The 11-K says the Citigroup Pension Plan was redesigned in 2007. Some legacy employees get an annual transition contribution in the 401(k).
How much should I contribute to get the full Citi match?
Contribute at least 6% of your pay (the match is capped at $12,000 a year). Anything less leaves part of the match unclaimed.
Sources (last verified 2025 plan year)
- Citi Retirement Savings Plan Form 11-K for 2025 — SEC (2026-06-29)
Educational content only, not tax, legal or investment advice. Plans and tax laws change; confirm details with your employer's plan documents or your state revenue department. Smart Financial Lifestyle is not affiliated with any employer named on this site.