Retirement Optimizer2025 Limits
401(k) Tax Savings Calculator
See exactly how much you can save in taxes by increasing your retirement contributions. Find your optimal contribution level.
2025 401(k) Limit: $23,500
Age 50+ Catch-up: $31,000
Your Information
6%
= $6,000 / year
Limit: $4,300 individual / $8,550 family
You Could Save $4,839 More in Taxes!
By increasing your 401(k) contribution from 6% to the maximum, you could reduce your annual tax bill significantly.
Current (6%)
401(k) Contribution$6,000
Tax Savings$1,680
Take-Home Pay$66,029
Effective Rate28.0%
Maximum Contribution
401(k) Contribution$23,500
Tax Savings$6,519
Take-Home Pay$54,046
Effective Rate22.4%
Contribution Scenarios
| Contribution | % of Income | Tax Savings | Take-Home | Eff. Rate |
|---|---|---|---|---|
$0 | 0.0% | $0 | $70,116 | 29.9% |
$3,000 | 3.0% | $840 | $68,072 | 28.9% |
$6,000Current | 6.0% | $1,680 | $66,029 | 28.0% |
$10,000 | 10.0% | $2,800 | $63,304 | 26.7% |
$15,000 | 15.0% | $4,182 | $59,879 | 25.1% |
$20,000 | 20.0% | $5,557 | $56,448 | 23.5% |
$23,500Max | 23.5% | $6,519 | $54,046 | 22.4% |
Retirement Saving Tips
1
Max Out Employer Match
Always contribute enough to get the full employer match—it's free money!
2
Consider Roth 401(k)
If you expect higher taxes in retirement, Roth contributions may be better.
3
Increase Gradually
Bump up your contribution by 1% every few months until you hit your goal.
4
Don't Forget HSA
HSA contributions are triple tax-advantaged—use them if eligible!