Paycheck Impact Calculator
See exactly how a 401(k) contribution affects your take-home pay after tax savings
A 401(k) contribution costs less than you think. Because Traditional contributions are pre-tax, your take-home pay drops by less than the contribution amount. In the 22% bracket, a $500 contribution only reduces your paycheck by about $390.
Per-Paycheck to Max Out (2026)
- Biweekly (26 pays): $942 per paycheck to reach $24,500
- Semi-monthly (24 pays): $1,021 per paycheck
- Monthly (12 pays): $2,042 per paycheck