Enter salary and contribution rate to see paycheck deductions and annual retirement savings.
Your yearly income before taxes
Determines your 2026 contribution limit
How often you get paid
5% is an editable example, not a recommendation; enter your own payroll rate
See what your selected rate means per paycheck and per year.
Per Paycheck
$144.23
5.0% of salary · 2026 limit $24,500.00
At 5.0% of salary
This is a full-year illustration at your selected rate. Check your plan rules and payroll history before changing contributions.
At $75,000.00 salary with biweekly pay,5.0% means $144.23 per paycheck and up to $3,750.00 in a full year, subject to the employee limit.
What this estimate covers
Full-year estimate from the selected rate. This does not account for contributions already made or paychecks left this year.
Employer match is separate from your employee deferral limit. IRS: 2026 401(k) limits.
Full-year estimate against the limit
15% of the annual limit if this rate applied to every paycheck.
Enter gross salary, contribution percentage, pay frequency, and age group. The percentage applies to gross pay; check your plan's rules and any contributions made through another job before relying on the limit comparison.
The calculator converts the chosen percentage into an amount per paycheck and a full-year projection. It caps the projected annual amount at the 2026 employee deferral limit for the entered age.
The output shows what the chosen rate would produce if applied to every paycheck in a full year. It cannot show how much you will actually contribute during the remaining year because prior deferrals and remaining pay dates are not entered. Employer matching is excluded. A pre-tax contribution can affect take-home pay differently from a Roth contribution, which this tool does not calculate.
The comparison uses 2026 employee limits: $24,500 generally, $32,500 at age 50 or older, and $35,750 at ages 60–63 when catch-up is permitted. It assumes the entered rate and salary apply for every paycheck in the year and does not combine deferrals from another job. The 5% initial rate is an editable example, not a recommendation.