401(k) Contribution Calculator by Salary – Free & Client-Side
Optimize your 401(k) contributions by salary to capture 100% of your employer match, respect IRS annual limits, calculate instant federal and state tax deductions, and project compounding growth to retirement.
Why should I contribute enough to get the full employer match?
An employer match is an immediate 50% to 100% guaranteed return on your investment—essentially free compensation that compounds tax-deferred over your career.
How do pre-tax 401(k) contributions lower my paycheck reduction?
Because 401(k) contributions reduce taxable income, saving $100 pre-tax only reduces your take-home paycheck by approximately $75 to $80 depending on your marginal tax bracket.