Finance Tools
401(k) Contribution Calculator
Calculate your 401(k) contribution amount based on salary and contribution percent, and estimate paycheck contributions. Compare to an annual contribution limit target.
401(k) Contribution Calculator
Calculate your 401(k) contribution based on salary and contribution percent. Estimate per-paycheck contributions and compare your annual total to a target contribution limit.
Results
Estimated Annual 401(k) Contribution: $8,000
Estimated Contribution Per Paycheck (26/year): $308
Target / Limit (for planning): $23,000
Remaining to Target (if any): $15,000
To reach the target at this salary, contribution percent would be roughly 28.7%.
How 401(k) contribution percentages work
Many employers let you set a contribution percentage of your pay. This calculator converts that percent into annual and per-paycheck amounts so you can plan around a yearly contribution target.
FAQ
Does this include employer match?
No. This tool focuses on employee contributions. Use a 401(k) growth calculator to model employer match and long-term balance growth.
What about catch-up contributions?
Contribution limits can vary by year and age. Treat the “target/limit” field as a planning input.
How to use this 401(k) contribution calculator
- Enter your annual salary.
- Enter your 401(k) contribution percent.
- Choose your pay frequency to estimate per-paycheck contributions.
- Optionally enter an annual contribution limit target.
- Review annual and per-paycheck contribution amounts.
Example
If your salary is $80,000 and you contribute 10% with biweekly pay, your estimated contribution is $8,000/year (about $308 per paycheck).
- Annual contribution = $80,000 × 0.10 = $8,000
- Biweekly paychecks ≈ 26
- Per paycheck ≈ $8,000 ÷ 26 ≈ $308
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