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Retirement Contribution Effects on Your Paycheck Calculator

Enter your pay and plan

2026 tax rules and plan limits

$

A percent or a dollar amount, as chosen.

%

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

More options
$/ 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.

Your paycheck with and without the contribution

Take-home change per paycheck

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Saved for retirement per paycheck

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Income tax saved per paycheck

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Take-home per paycheck without contributing–
Take-home per paycheck with the contribution–
Federal income tax saved per year–
State and local tax saved per year–
Take-home cost of each $1 saved–
Your 2026 limit for this plan–
Share of pay needed to reach the limit–
Per-paycheck amount to reach the limit–

Paycheck with and without contributing

Per paycheck. Social Security and Medicare do not change: pre-tax retirement deferrals are still wages for those taxes.

ItemWithoutWithDifference

Maxing out each type of plan at your age

What contributing the full 2026 limit for your age would do to each paycheck, by plan type. A 401(k) or 403(b) and a 457(b) have separate limits, so with both you can defer the two limits combined.

Plan2026 limitContribution per paycheckTake-home per paycheckTake-home changeCost per $1 saved

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

Pick your plan type and contribution to compare take-home pay with and without it, and see what reaching each plan’s 2026 limit would do to your paycheck. If you want to see how the figures change, the salary increase calculator gives you an instant result you can adjust as you go.