401(k) Contribution Effects on Your Paycheck Calculator

Compare your paycheck at your current and a new 401(k) contribution rate, and see how each extra 1% of pay changes your take-home pay and employer match. Next, open the 401k calculator and enter your own details to see an estimate in seconds.

Enter your pay and 401(k) rates

2026 tax rules and 401(k) limits

Annual gross salary

Pay frequency

Filing status

Current 401(k) contribution

Share of pay you defer now (pre-tax).

New 401(k) contribution

The rate you are thinking of switching to.

Employer match

Cents per dollar you contribute.

Matched up to

% of pay

State and local income tax rate

A flat rate on taxable wages. Use 0 for none.

Your age at the end of 2026

Sets your contribution limit.

More options

Health premiums and other pre-tax deductions

$/ check

Health, dental and vision premiums, HSA or FSA. These also skip Social Security and Medicare.

After-tax deductions

$/ check

Union dues, Roth contributions to another plan, garnishments.

Children under 17

Other dependents

What the change does to each paycheck

Change in take-home per paycheck

–

Change in 401(k) savings per paycheck

–

Take-home cost of each extra $1 saved

–

Take-home per paycheck now–

Take-home per paycheck at the new rate–

Employer match per paycheck at the new rate–

Income tax saved per year by the change–

Employer match left unclaimed per year–

Your 2026 401(k) contribution limit–

Current vs new paycheck

Each line per paycheck. The difference column shows how each item moves your take-home pay.

Item	Current rate	New rate	Difference

Take-home pay at every rate from 0% to 15%

How each extra 1% of pay you put in your 401(k) changes your paycheck and your total savings, with your employer match included.

You contribute	Your 401(k) per paycheck	Match per paycheck	Take-home per paycheck	Take-home given up vs 0%	Total saved per paycheck	Total saved per year

Results are estimates for educational purposes and are not financial, tax or legal advice.