Love's
2026 401(k) calculator

See how your 401(k) savings add up

Enter a few numbers. We’ll show what you save, what the company adds and what it may cost each payday.

1. Tell us about your pay

How are you paid?

2. How much do you want to save?

Choose one
%
In 2026, most people can save up to $24,500.

3. What kind of 401(k)?

4. Add your tax rates

Select your state to see how it may affect your estimate.
%
Check your bracket
Use your estimated 2026 taxable income after deductions. These are marginal tax brackets.

Married Filing Jointly

  • 10%$0–$24,800
  • 12%$24,801–$100,800
  • 22%$100,801–$211,400
  • 24%$211,401–$403,550
  • 32%$403,551–$512,450
  • 35%$512,451–$768,700
  • 37%$768,701 and above

Single Filer / Head of Household

  • 10%Single: $0–$12,400
    Head of household: $0–$17,700
  • 12%Single: $12,401–$50,400
    Head of household: $17,701–$67,450
  • 22%Single: $50,401–$105,700
    Head of household: $67,451–$105,700
  • 24%Single: $105,701–$201,775
    Head of household: $105,701–$201,750
  • 32%Single: $201,776–$256,225
    Head of household: $201,751–$256,200
  • 35%Single: $256,226–$640,600
    Head of household: $256,201–$640,600
  • 37%Single: $640,601 and above
    Head of household: $640,601 and above
Going into your 401(k)
$12,000

Total for the year

$462 each paycheck
Reduction in take-home pay
$6,240

Estimated total for the year

$240 each paycheck
Estimate onlyYour actual taxes and paycheck impact will depend on your filing status, total household income, deductions, tax credits, state and local tax rules, payroll timing and your 401(k) plan rules.
You put in
$8,000
10.0% of your pay
The company puts in
$4,000
Matches the first 5% you save
You may save on taxes
$1,760
Federal $1,760 + state $0
Cost to your take-home pay
$6,240
About $240 each paycheck
For every $1 less in take-home pay
$1.92
This much goes into your 401(k), including the company match
Company match you’re getting100%
You’re getting the full company match. The company is adding about $4,000.