When Does 401K Become Vested? 
When does a 401k become vested ? Usually no more than 6 years for most vesting schedules . Depending on your plan offered by your employer you can be fully vested after entering the plan on day one and anywhere in between up to those 6 years . You should be able to get a plan summary from your employers HR department that will provide you with the specifics for your particular plan . Oh , as a side note , your contributions to a 401k are always fully vested . 