Future Roast 401(k)

Starbucks Future Roast 401(k) Savings Plan can help Starbucks partners save for financial goals through convenient payroll deductions. Starbucks partners can contribute 401(k) pre-tax or Roth after-tax dollars, and Starbucks will match your eligible contributions.

Partners who are age 18 or older with 90 days of service, are generally eligible to participate in Future Roast 401(k). Shortly before you become eligible, enrollment information containing plan details and instructions is mailed to your home address.

Eligible partners may contribute from 1% to 75% of their pay each pay period, up to the annual IRS dollar limit ($23,000 for calendar year 2024). Partners age 50 and older are subject to a higher IRS annual limit ($30,500 for calendar year 2024).

When you save through the Future Roast 401(k) Savings Plan, Starbucks will match 100% of the first 5% of eligible pay* you contribute each pay period (regardless of whether the contribution is 401(k) pre-tax, Roth after-tax or a combination of both). The Starbucks Match is determined on a payperiod-by-payperiod basis. For any payperiods that you do not contribute, no Starbucks Match will be contributed. The match is immediately 100% vested. This means you own the matching contributions as soon as they are contributed to your account.

For more details, view the current Future Roast 401(k) Summary Plan Description and Starbucks Match and Safe Harbor Plan Notice. 

*​​The maximum amount of eligible pay considered when calculating 401(k) pre-tax and/or Roth after-tax contributions and match for any calendar year is subject to IRS limits ($345,000 for calendar year 2024).