Get your free financial scoreSign inYour data on this device
Free to use. No account required.

What happens to the 401(k) money I contributed but haven't vested when I quit?

When you leave a job, you always keep 100% of your own contributions and their growth — that money is yours no matter what. What you risk losing is the unvested portion of the employer match. If your plan uses a vesting schedule and you haven't satisfied it, the company reclaims the unvested match when you separate; for example, on a graded schedule where you're 40% vested, you'd forfeit 60% of the matched dollars. That's why it often pays to check your vesting status before resigning — staying a few extra weeks to cross a vesting milestone can lock in thousands of dollars. Your vested balance can then be left in the plan, rolled to your new 401(k), or rolled to an IRA. Confirm your vesting percentage in your account portal before you give notice. Weigh the full move at wealthserene.com/for/job-change.

All questionsBrowse the articles
Educational disclaimer. Everything on WealthSerene.com is educational and is not investment advice. Projections and calculations are illustrative; actual results depend on market conditions, your situation and factors outside this tool’s scope. For a decision specific to your situation, consult a qualified financial professional. View full disclosures