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Updated for 2025 Tax Rules

401(k) Contribution Calculator

A 401(k) contribution doesn't cost as much as you think! Thanks to pre-tax deductions, your take home pay decreases by less than the amount you contribute.

Last updated: Dec 2025

Configuration

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Overview

How It Works

When you contribute to a traditional 401(k), the money comes out before taxes are calculated. This means every dollar you contribute reduces your taxable income, resulting in immediate tax savings.

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Frequently Asked Questions