401(k) Contribution Optimizer

Payroll & Payslip

See how increasing pre-tax retirement contributions changes take-home pay and tax drag in the United States.

Enter the values you know. Required fields should be completed first, and optional fields can be left blank if they do not apply to your situation.

Gross pay per period Required

Pay cycle Required

Filing status Required

State Required

Current 401(k) contribution % Required

Target 401(k) contribution % Required

Contribution step % Required

Pre-tax medical per period Required

State allowance count Required

State personal exemptions Required

Additional state deduction per period Required

Calculating...

The top cards show the most important answers first. Detailed schedules, scenario tables, and supporting notes appear underneath for deeper review.