Goldman Sachs 401(k) at a glance
| Employer match | Goldman Sachs matches 100% of what you contribute up to 6% of pay, capped at $12,500 per year. |
|---|---|
| Maximum match | 6% of pay, up to $12,500 a year |
| Contribution needed for full match | 6% of pay |
| Company contribution (no match needed) | Employees with pay under $125,000 get a fixed contribution of 2% of pay whether or not they contribute. A legacy group of employees (age 46+ and employed on Nov. 26, 2004) can get an additional retirement contribution of up to $4,000. |
| Vesting | 2 years to fully vestMatching and fixed contributions vest after 2 years of service (or at age 65, death or disability). The legacy additional contribution vests after 3 years. |
| Eligibility | You can contribute from the first of the month after you join. Firm match and fixed contributions start the first of the month after hire once you are at least 21. |
| Roth 401(k) option | Yes |
| Plan provider | Alight Solutions (recordkeeper); BNY Mellon (trustee) |
| Who this applies to | US employees of Goldman Sachs |
How much is the Goldman Sachs match worth?
If you contribute 6% of your pay, Goldman Sachs adds the full match. Here is what that means at different salaries, per year, before investment growth:
| Salary | You contribute (6%) | Goldman Sachs 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
- This formula replaced the older 4% match plus $6,000 minimum supplemental contribution that applied in earlier years.
- The 2026 11-K is available but its narrative section could not be read; no later change was found.
Other Goldman Sachs retirement benefits
- After-tax contributions
- In-plan Roth conversion
How to make the most of your Goldman Sachs 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 Goldman Sachs match 401(k) contributions?
Goldman Sachs matches 100% of what you contribute up to 6% of pay, capped at $12,500 per year. Employees with pay under $125,000 get a fixed contribution of 2% of pay whether or not they contribute. A legacy group of employees (age 46+ and employed on Nov. 26, 2004) can get an additional retirement contribution of up to $4,000.
When does the Goldman Sachs 401(k) match vest?
Matching and fixed contributions vest after 2 years of service (or at age 65, death or disability). The legacy additional contribution vests after 3 years.
When can I join the Goldman Sachs 401(k)?
You can contribute from the first of the month after you join. Firm match and fixed contributions start the first of the month after hire once you are at least 21.
How much should I contribute to get the full Goldman Sachs match?
Contribute at least 6% of your pay (the match is capped at $12,500 a year). Anything less leaves part of the match unclaimed.
Sources (last verified 2024 plan year (11-K filed June 2025))
- The Goldman Sachs 401(k) Plan Form 11-K for 2024 — SEC EDGAR (2025-06-12)
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.