401(k) Savings Plan

At Microsoft, we believe in empowering our employees to secure their financial future. Our 401(k) Plan provides you with the valuable opportunity to save for retirement with the support of company contributions. Not only that, but we offer a carefully selected mix of investment options to help you create a low-cost and diversified portfolio.

You are eligible to participate in the Microsoft Corporation Savings Plus 401(k) Plan if you are in an approved budgeted headcount, regular employment position with Microsoft, on the Microsoft US payroll and have reached age 18. This includes corporate and retail employees as well as employees of subsidiaries or affiliates of Microsoft Corporation that participate in the Plan. Interns and visiting researchers are not eligible.

For a detailed description of eligibility, see the Summary Plan Description.

We match 50% of every pre-tax and/or Roth dollar you contribute to the 401(k) Plan, up to the IRS annual basic deferral limit. For 2025, if you contribute up to the $23,500 limit, you’d receive a match from Microsoft of $11,750. And for more good news, you are 100% vested from the very beginning, which means all your contributions and matching money from Microsoft are yours should you leave the company in the future.

Note: Your combined 401(k) Plan contribution elections cannot exceed 65 percent of your total eligible compensation.

To begin saving, you need to register and enroll in the 401(k) Plan at Fidelity NetBenefits. Once there, you’ll make some key decisions, including:

How much you want to contribute
Which contribution types to use (pre-tax, Roth, and after-tax)
Which investments you want to choose
Whom your beneficiaries will be

Your enrollment will generally be effective within two pay periods. For detailed enrollment instructions, go to Enroll in the 401(k) Plan.

Here are the step by step instructions to Enroll in the 401(k) Plan.
Learn about the different types of Contribution options available in the 401(k) Plan.
To make contribution changes and manage your contributions, go to Change my contribution.
Rolling other sources of retirement savings into the Microsoft 401(k) Plan is easy. To learn more, go to Rollovers.
Visit these topics to learn more about Investment Options, 401(k) Loans, Roth Conversions, and Requesting an In-Service Withdrawal
Learn more about BrokerageLink and decide if it’s right for you.
Don’t forget about Designating a Beneficiary for your 401(k) Plan.
Employment changes can impact your 401(k) account. To learn more, go to Impact of Employment Changes.
If you leave Microsoft employment, learn more about distribution options at Request a Distribution When Leaving Microsoft.
For those employees still holding Microsoft stock in their 401(k) Plan, learn more about dividend payout options at Microsoft Stock Dividends Payout Options.
To help you improve your financial wellbeing, access free Financial Education.
Whether you prefer to manage investments on your own or have them professionally managed, you can get help from Fidelity. Learn more at Investment Advice Services.

Contact Fidelity in the U.S.

NetBenefits
(888) 810-6738
Fidelity Investments
P.O. Box 5000
Cincinatti, OH 45273-8077

Contact Fidelity outside the U.S.

IAC +877-833-9900

Contact NetBenefits technical support

(800) 581-5800

Change your BrokerageLink account mailing address

NetBenefits or (888) 810-6738, request transfer to Self-Directed Brokerage customer service department

Request hard copies of Plan Documents

Write or call the office of the Plan Administrator:

Microsoft Corporation
One Microsoft Way
Redmond, WA 98052-6399
Phone: (425) 882-8080