💵 Salary & Tax
Paycheck Calculator
See your exact take-home pay after federal taxes, Social Security, and Medicare — updated for 2026 tax brackets.
See how your 401(k) contributions affect your paycheck, tax savings, and retirement balance. Includes 2025 IRS contribution limits, employer match, and Traditional vs. Roth comparison.
Your income & contributions
Enter % of salary to contribute
Age 50+ unlocks catch-up contributions
Employer match
E.g. 50 = employer matches 50 cents per $1
E.g. 6 = match applies up to 6% of salary
Contribution type
Traditional (pre-tax)
Roth (after-tax)
Compare both
Traditional: Contributions reduce taxable income now — you pay taxes on withdrawals in retirement.
Roth: Contributions made after tax — withdrawals in retirement are completely tax-free.
Roth: Contributions made after tax — withdrawals in retirement are completely tax-free.
Growth projection (optional)
Historical S&P 500 avg: ~7% after inflation
Paycheck impact
| Item | Per paycheck (bi-weekly) | Annual |
|---|
Contribution limits (2025 IRS)
This calculator uses 2025 IRS 401(k) limits and 2025 federal tax brackets for estimates. State income tax is not included. Results are for educational purposes only and do not constitute financial advice.