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401(k) Deferral Optimizer

Find the right deferral percentage to maximize contributions, capture your full employer match, or hit a target take-home pay.

Your Goal
Compensation
Tax Estimate
Enter as a percentage, e.g., 5 for 5%
Employer Match
% of employee contribution
% of your compensation
Note on take-home estimate: The take-home estimate reflects your 401(k) deferral and combined federal + state/local tax estimate only. It does not account for FICA, health insurance premiums, HSA contributions, or other payroll withholdings. Your actual take-home will be lower.
--%
Calculating...
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Monthly employee contribution
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Monthly employer match
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Est. monthly take-home
(before FICA & other deductions)

Important Disclaimer

The information, materials, and content provided herein are for demonstration and illustrative purposes only. Any figures, projections, or outputs shown are hypothetical/simulated and not indicative of actual or future results.

Karr Barth Administrators (KBA) and its employees do not provide investment, tax or legal advice. No material should be construed as investment, tax or legal advice, or as a recommendation, solicitation, or offer to buy or sell any security, financial product, or service, or to engage in any particular financial strategy or transaction in any vehicle administered by KBA.

While KBA strives to keep information current, information may be outdated. Do not rely on this information as a substitute for individualized professional guidance. Before making any financial, investment, tax, or legal decisions, you should consult with a qualified financial professional, tax advisor, attorney, or other appropriate professional who can evaluate your specific circumstances, objectives, and needs.