Microsoft 401k Plan & Login Instructions For Employees

Microsoft provides an attractive 401(k) program for its employee benefits package. The program facilitates employees in saving and investing for their retirement by incorporating contributions from Microsoft employees and employers.

The plan offers diverse investment options, such as target-date funds, index funds, mutual funds, and actively managed equity funds. Microsoft ensures its employees are well-equipped to plan and manage their retirement savings by providing adequate tools and resources.

Microsoft offers a 50% match on 401(k) contributions up to the federal limit. As of 2023, the maximum match you can receive from Microsoft is $11,250, provided you contribute the maximum amount of $22,500.

Catch-up contributions for those aged 50 and above are not eligible for the 50% match. Additionally, your contribution and the Microsoft match are fully vested from starting your employment with the company.

What Is Microsoft?

Microsoft is a globally renowned technology conglomerate specializing in creating, distributing, and retailing cutting-edge computer software, innovative consumer electronics, and high-performance personal computers.

With its headquarters located in the United States, Microsoft has established a formidable presence in the international marketplace, constantly pushing the boundaries of technological advancement and innovation. Microsoft, a renowned technology company, was established in 1975 by two stalwarts of the industry, Bill Gates and Paul Allen.

Currently, the company has its headquarters situated in Redmond, Washington. Microsoft has built a reputation for itself by offering various widely-used software products, including Microsoft Office, Windows, and Microsoft Teams.

The company’s line of Surface devices is also a popular choice amongst consumers. Boasting a workforce exceeding 181,000 individuals across the globe, Microsoft has established itself as a preeminent corporation of immense value and stature.

Complementing its multifarious range of products and services, the company extends a 401k matching plan to its personnel, furnishing them with supplementary resources for accumulating wealth in preparation for their golden years.

Microsoft matches 50% of employee pre-tax contributions up to the federal limit, and the pre-tax contribution and match are 100% vested from day one.

Traditional IRA vs. Roth IRA

The main difference between a traditional and Roth 401(k) lies in the timing of tax payments. With a traditional pre-tax 401(k), you contribute money before taxes are deducted, which reduces your taxable income for the year.

However, when you withdraw the money in the future, it is taxed as ordinary income. On the other hand, with a Roth 401(k), you contribute money after taxes have been deducted, so you won’t be taxed on your withdrawals in retirement.

Generally, pre-tax contributions to a 401(k) may be more attractive during working years when you may be in a higher tax bracket, while Roth contributions may be more beneficial when you expect to be in a higher tax bracket in retirement.

Microsoft 401k Login

To log into the Microsoft 401k portal, an employee needs to follow these steps:

Visit the Fidelity NetBenefits website, which is the administrator of the Microsoft 401k plan.

Click on the “Log In” button on the top right corner of the page.

Enter your username and password in the appropriate fields.

Click the “Log In” button.

Once you are logged in, you can access your account information after-tax contributions, and investment options and make changes to your contributions or investment selections.

It is important to note that new employees will need to create an account before they can access the 401k portal.

Microsoft 401k Plan Name + Details

Microsoft allows its employees to participate in two distinct 401(k) plans the Microsoft Corporation 401(k) Plan and the Microsoft Savings Plus Plan.

The Microsoft Corporation 401(k) Plan is a conventional 401(k) plan that permits employees to set aside funds for retirement on a pre-tax or Roth 401(k) after-tax basis.

The Microsoft Savings Plus Plan is a cash balance pension plan that works in conjunction with the 401(k) plan to provide additional retirement savings opportunities for employees. Fidelity Investments manage the plans.

The Internal Revenue Service (IRS) has allocated a distinctive nine-digit numerical code, the Employer Identification Number (EIN), specifically for Microsoft’s identification in matters related to taxation.

The EIN for Microsoft is 91-1144442. This number is used to report Microsoft’s employment taxes, including Social Security and Medicare taxes, federal income tax withholding, and unemployment tax.

Who Is The 401k Administrator of Microsoft

Microsoft’s retirement plan is tax-free and is administered by Fidelity Investments. Fidelity is a leading financial services provider and one of the largest providers of employer-sponsored retirement plans in the United States.

Fidelity provides a range of services for Microsoft’s 401k plan, including investment management, recordkeeping, and participant support.

Contact Information

To contact Microsoft’s 401k plan service provider, employees can visit the Fidelity website at or call Fidelity’s customer service at 1-800-835-5095.

Microsoft’s HR department can also provide additional contact information and assistance related to the company’s 401k plan. How To Rollover A Microsoft 401k To a Gold IRA

As a member of the Microsoft workforce, should you desire to transfer your 401k to a gold IRA or self-directed IRA, we have provided a series of steps for your convenience.

Contact your Microsoft 401 k plan administrator: Initial communication with the 401k plan administrator is imperative to initiate the rollover process.

It is recommended to reach out to the administrator to gather comprehensive information regarding the plan and gain insight into the precise steps that must be taken to execute a successful rollover.

The administrator shall provide the requisite information to enable the seamless transfer of funds.

To initiate an investment in gold, it is imperative to commence by establishing a gold IRA or self-directed IRA account.

In this regard, one must approach a trustworthy custodian or trustee who specializes in proffering such accounts.

Transfer your funds: Upon successful establishment of the newly created Individual Retirement Account (IRA), the subsequent action required is the transfer of existing funds from the 401k account to the newly created IRA account.

This transfer can be accomplished by means of either a direct rollover or an indirect rollover.

Acquire valuable assets like gold or precious metals: Following the successful transfer of funds to your new account, you are presented with the opportunity to invest in valuable assets such as gold, silver, platinum, or palladium.

Vigilantly oversee your investments: It is crucial to periodically oversee your investments to determine their performance level and make any necessary modifications.


The attainment of a comfortable retirement is a vital concern for individuals, and one effective strategy to establish robust retirement savings is by contributing to a 401k and self-directed IRA.

Microsoft’s 401k matching scheme presents an attractive opportunity to amplify one’s retirement savings. However, it is imperative to recognize that investment entails certain risks, such as interest rate risk, which must be acknowledged.

As an alternative, you may consider converting your 401k to a gold IRA or self-directed IRA, which allows you to invest in precious metals. Set up a precious metals IRA account today to take advantage of this option. Keep in mind borrowing against a 401k is often a better option than missing out on a 50% return on your investment. Passing up on free money is never a wise decision.

Option 401k Plans You Might Like

Here is a list of other 401k plans that you might be interested in learning about. Below you will find the most recent companies I’ve investigated with regard to their 401k contribution plans.

Home Depot 401k Matching Details

IBM 401k Match Guide

FedEx 401k Plans

What is Google’s 401k Match?

Looking for alternative options to a Microsoft 401k plan, then you might consider moving your investment account to an IRA account backed by gold and silver. Check out the list below for my recommendations.


Best Gold IRA CompaniesRatingMinimum RequirementProtect Your Wealth
Goldco logo5.0$25,000Free Investing Guide
Augusta Precious Metals logo4.9$50,000Free Investing Guide
American Hartford Gold logo4.8$10,000Free Investing Guide