401(k) Contribution Calculator: See Your Take-Home With Any Contribution (2026)
How much do you keep if you contribute to a 401k? See how pre-tax contributions change your take-home pay. Use our US tax calculator with 401k support.
401(k) Contribution Calculator: See Your Take-Home With Any Contribution (2026)
Contributing to a 401(k) reduces your taxable income, so your take-home pay doesn’t drop by the full contribution amount. Here’s how it works and how to see your exact numbers.
How 401k Affects Your Paycheck
- Traditional 401k: Contributions are pre-tax. They lower your taxable income, so you pay less federal (and usually state) tax. Your take-home drops by less than the contribution.
- Roth 401k: Contributions are after-tax. They don’t reduce taxable income; your take-home drops by the full contribution (but growth is tax-free in retirement).
Example (Rough)
On a $60,000 salary, contributing $5,000 to a traditional 401k might reduce your take-home by only about $3,500–$4,000 (depending on state and filing status), because you save tax on the $5,000.
Calculate Your Take-Home With Any 401k Contribution (2026)
US Tax Calculator – supports 401k; enter your salary and contribution →
Our calculator lets you enter a 401k contribution and see updated federal tax, state tax, FICA, and net pay so you know exactly how much you keep.
See your take-home with 401k →
*Rules are for 2026. Consult a financial or tax professional for retirement planning.*