The discrete time--frequency matched filter should replicate the continuous time--frequency matched filter. But the methods differ. To avoid aliasing the discrete method transforms the real-valued signal to the complex-valued analytic signal. The theory for the time--frequency matched filter does not consider the discrete case using the analytic signal. We find that the performance of the matched filter degrades when using the analytic, rather than real-valued, signal. This performance degradation is dependent on the signal to noise ratio and the signal type. In addition, we present a simple algorithm to efficiently compute the time--frequency matched filter. The algorithm with the real-valued signal, comparative to using the analytic signal, requires one-quarter of the computational load. Hence the real-valued signal---and not the analytic signal---enables an accurate and efficient implementation of the time--frequency matched filter