401(k) Calculator
Model traditional 401(k) contributions, employer match, and the take-home impact for the 2026 tax year.
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2026 deferral limit: $23,500
Total annual retirement contribution
$7,200
Your contribution$4,800
Employer match$2,400
Take-home reduction$3,744
Tax savings vs. no contribution$1,056
2026 employee deferral limit: $23,500 (under 50); $31,000 (50+); $34,750 (ages 60–63, SECURE 2.0).
Estimate only. Results show your annualized federal, state and FICA tax liability divided by pay periods — not the exact per-paycheck withholding your employer computes from your W-4 (IRS Publication 15-T). Actual paychecks may differ. Not tax advice.