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What is T-Mobile’s 401(k) match?

T-Mobile matches employee 401(k) contributions:

  • 100% on the first 3%

  • 50% on the next 2%

If an employee contributes 5% of their pay, T-Mobile matches 4%.

Source:
T-Mobile 2025 Benefits Guide

What are T-Mobile’s 401(k) options?

T-Mobile supports three types of 401(k) contributions:

  • pre-tax

  • Roth

  • after-tax

There are also three types of contributions:

  • regular - salary or hourly wage

  • bonus - monthly and annual bonuses, including commissions

  • match - the company match is currently pre-tax

Title: "T-Mobile 401(k)" on top. Below it is a table with Pre-Tax, Roth, and After-Tax. Company matching is available for Pre-Tax and Roth but not for After-Tax 401(k) contributions. Phot of an image with an egg with 401K written on it.

What’s the maximum contribution?

Pre-Tax and Roth

According to the IRS, the 2025 maximum 401(k) contributions are:

  • $23,500 for the elective deferral

  • $7,500 for those age 50+

  • $5,250 for those age 60-63

Someone who’s 50 years old could contribute $31,000 across the pre-tax and Roth 401(k) options. Those 60-63 could contribute $36,250.

After-Tax

Up to $70,000 can be contributed to all defined contribution plans.

If the employee contributes $23,500 and T-Mobile matches $10,000, the employee could still contribute $36,500 to after-tax.

Title: "401(k) Federal Cap" on top. Below is: Pre-Tax / Roth $23,500; 50+ Catch-Up $7,500; 60-63 Extra $5,250; After-Tax $70,000. Photo of an American hat. Source: IRS Notice 2024-80.

What are T-Mobile’s make-up or true-up contributions?

T-Mobile matches employee pre-tax and Roth contributions each paycheck.

An employee might reach the maximum early in the year. T-Mobile would have no contributions to match the rest of the year!

Without a make-up, employees who contribute more than 5% of their compensation would receive less than the 4% match.

Fortunately, T-Mobile makes them whole with a true-up contribution the following March.

Title: "Make-Up or True-Up" in black on top. $100,000 salary. Employee contributes 75%. Below it lists Employee contributions of $23,500 in Jan-Apr. Below that lists a T-Mobile match of $1,231 for Jan-Apr and $2,769 for Next Mar.

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How much and how long can a T-Mobile 401(k) loan be?

By federal law, the biggest loan that can be taken from a 401(k) is the lesser of:

  • 50% of the vested account balance and

  • $50,000.

A loan must generally be repaid within five (5) years unless used to buy a primary residence.

T-Mobile’s 401(k) plan allows loans of up to 15 years for the purchase of a primary residence. Fortunately, loans haven’t had to be paid in full upon termination from employment.

Title: "Maximum 401(k) Loan" on top. The less of: 50% of vested balance and $50,000. The background photo is of a white piggy bank with an egg in front. 401K is written in gold on the white egg.

Hey, thanks for reading my summary of T-Mobile’s 401(k).

As a reminder, I share a lot of resources that can help you.

Kevin Estes portrait. Smiling and wearing a dark gray suit and black shirt in front of a dark brown background.

Kevin Estes is a financial planner helping T-Mobile employees and their families live their best lives.

He worked in T-Mobile Financial Planning & Analysis for nine years. Kevin received a certificate in financial planning, passed the CERTIFIED FINANCIAL PLANNER™ exam, and founded Scaled Financed in 2022.

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