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457 Plan Contribution Effects on Your Paycheck Calculator

Enter your pay and 457(b) rates

2026 tax rules and 457(b) limits

$
%

Pre-tax share of pay you defer now.

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%

Pre-tax deferral to your other plan. It has its own limit, so it does not use up your 457(b) room. Use 0 if you only have a 457(b).

Catch-ups apply to governmental plans only.

%

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

More options
% of pay

Uncommon, but it counts toward the same 457(b) limit as your own deferrals.

$/ check

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

$/ check

Union dues, Roth contributions to another plan, garnishments.

What the change does to each paycheck

Change in take-home per paycheck

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457(b) deferral per paycheck at the new rate

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Take-home cost of each extra $1 deferred

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Take-home per paycheck now–
Take-home per paycheck at the new rate–
Income tax saved per year by the change–
Total pre-tax deferrals per year, both plans–
Your 2026 457(b) limit–
Your separate 2026 401(k) / 403(b) limit–
Most you can defer across both plans–
457(b) room left at the new rate–
Per-paycheck 457(b) deferral to max it out–

457(b) rates from 0% to 15%

Your 401(k) or 403(b) rate stays as entered; only the 457(b) rate changes. Because the two limits are separate, adding a 457(b) deferral never reduces what you can put in the other plan.

457(b) rate457(b) per paycheckTake-home per paycheckTake-home given up vs no 457(b)Tax saved per paycheckBoth plans per year457(b) room left

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

Compare your paycheck at your current and a new 457(b) contribution rate, and see how much you can defer when a 457(b) sits on top of a 401(k) or 403(b). If you want to see how the figures change, the free 401k calculator gives you an instant result you can adjust as you go.