PaycheckbyStates

401(k) paycheck impact calculator

Compare estimated take-home before and after a traditional pre-tax 401(k) contribution.

Estimate only — Traditional 401(k) federal tax treatment is simplified; plan rules and state treatment vary. How we calculate · Disclaimer

Type a code (tx) or name. Change anytime.

What this estimate shows

Traditional 401(k) deferrals generally reduce federal taxable wages, but they remain subject to Social Security and Medicare taxes. Your plan rules and state treatment can differ.

The 2026 employee elective-deferral limit is $24,500; catch-up limits may apply by age. IRS contribution limits.