This calculator supports UK/US assumptions only. Choose the applicable market in the calculator or its named UK/US tool. Israeli rules are not implemented.
See remaining 401(k), HSA and direct Roth IRA room. Current federal tax reductions are calculated across the brackets; employer contributions and future growth are separate.
2026 federal model for one wage earner. Joint filing uses this earner’s wages only; your spouse must have no income and be under 65. No itemizing, credits, AMT or other income/deductions are included.
Use gross wages before your own pre-tax deferrals and HSA contributions. Employer HSA funding is not included in these wages.
All filers must be under 65, not blind or dependants, with no special deductions, credits or AMT. Age 65+ contribution limits can still be shown; their current tax estimate is withheld.
Standard employee 401(k), not SIMPLE or special plan limits. Used means the full-year amount already contributed or already planned, across your applicable plans. Remaining pre-tax room is modelled before HSA room.
Confirm the plan permits these contributions, including any relevant catch-up. Plan testing or employer limits can reduce room.
Combined pre-tax and designated Roth employee deferrals. Do not include employer match or separate after-tax contributions.
This portion reduces the starting federal income-tax base, but never Social Security or Medicare wages.
Full-year eligibility with unchanged coverage only. Monthly eligibility, Medicare enrolment, last-month-rule testing and midyear coverage changes need a separate calculation.
Confirm an HSA-eligible HDHP, no disqualifying coverage or Medicare, and that you cannot be claimed as a dependant. Family base room is shared; this includes only your own age-55 catch-up.
Include employer, payroll and direct contributions; include the spouse’s shared family-base contributions where applicable. Do not count the spouse’s separate catch-up against your limit.
Own pre-tax payroll or deductible direct contributions included in gross wages above; excludes employer funding.
A payroll deduction outside a qualifying section 125 arrangement does not get the payroll-tax treatment shown here. Mixed own funding routes are outside this model.
One person’s IRA room only. Enter Roth-specific MAGI after all planned contributions. Salary is not a substitute for MAGI, and this input does not change automatically with other fields.
Annual contributions share the IRA limit with Roth contributions. This is different from the account balance below.
Informational conversion warning only; a zero balance does not establish a tax-free conversion or replace Form 8606 review.
An optional flat-percentage estimate supplied by you, with no other plan additions assumed. It is not a tax deduction, a guaranteed return or an entitlement check.
Confirm the formula, vesting, employee contribution conditions and other plan additions. Actual compensation and annual-addition limits still apply.
These fields retain your planning context. They do not generate a generic deduction, assumed state saving or future growth benefit.
Recorded context only. The $72,000 annual-additions ceiling, compensation, employer contributions, existing after-tax contributions and plan restrictions need checking; this tool does not calculate Mega Backdoor room.
An illustration of filling the remaining pre-tax 401(k) room, then eligible HSA room. It compares the same wages before and after those contributions. It excludes state tax, employer compensation, Roth growth, credits and future withdrawal tax.
401(k) room uses the 2026 individual limit and compensation. A plan may permit less. HSA room requires confirmed full-year eligibility; the amount modelled through payroll is also limited by remaining wages after pre-tax 401(k) funding.
No age-based 401(k) catch-up applies in this scenario.
A dash means eligibility or inputs are insufficient, not zero entitlement. Contribution room is not a recommendation to fund every account.
User-confirmed flat-percentage estimate, capped by the 2026 compensation and annual-additions limits under the stated no-other-additions assumption. Not included in the tax-reduction headline. Vesting, the plan’s actual formula and contribution conditions still matter.
Direct Roth room is withheld until final scenario MAGI is supplied. The 2026 phase-outs are $153,000–$168,000 single and $242,000–$252,000 jointly; partial limits are rounded using the IRS worksheet method.
Direct Roth room is shown separately. No speculative growth benefit is assigned. IRA limits combine traditional and Roth contributions and taxable compensation; spousal IRA allocation is not modelled.
No Mega Backdoor room or current deduction is calculated here. The 2026 annual-additions limit is $72,000 before eligible catch-up, subject to compensation and plan limits. Employer and other after-tax contributions consume that room.
No typical state deduction is invented. Review your actual state, eligible plan, ownership, contribution rules and qualified education use separately.
Deductibility depends on the gift, recipient, itemization and applicable 2026 rules. No generic Donor-Advised Fund or charitable saving is included; this is not a full return calculation.
The entered rate is context only. State HSA conformity, deductions, residency, source income and relocation costs are not modelled; no state-move saving is assigned.
A flat percentage is only an estimate after your confirmation. It does not establish vesting, a dollar-for-dollar match, plan entitlement or a guaranteed return. Employer contributions are compensation, not tax saved.
Tax year 2026 federal illustration for an employee in a standard 401(k), one wage earner and basic single / joint standard deduction. All filers must be under 65, not blind or dependants. No other income, itemizing, credits, AMT or special deductions. 401(k) deferrals do not reduce payroll taxes. HSA deductions require full-year eligibility and correct funding-route confirmation; state conformity and monthly eligibility are not modelled. Additional Medicare uses annual liability thresholds, not withholding. Existing contributions are included in the baseline; additional 401(k) is applied before HSA, so the income-tax components are order-dependent and add only to their combined scenario. Future withdrawals, returns, conversion tax and personal suitability are not forecast.
Calculation and official-source checks: 20 October 2026. Supported tax year: 2026. Bounded planning estimates, not a completed tax return or professional certification.
2026 eligible single employee, age 35, with $100,000 wages before deductions: $23,500 pre-tax 401(k) and $4,300 own direct self-only HSA contributions already used. Roth contributions used are $7,000, with confirmed final scenario Roth MAGI of $71,100.
Assumes confirmed plan limits, full-year HSA eligibility, basic standard deduction and no other income, deductions, credits or AMT. The $242 comes from the additional $1,100 of eligible 401(k)/HSA deductions. Direct HSA funding saves no payroll tax. Roth room and employer compensation are separate from current tax reductions.
Calculation checked 21 October 2026. Figures are illustrative and rounded; the calculator keeps unrounded intermediate values.
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They add compensation to the account under the employer’s plan terms. That is different from a current tax deduction, and neither a match nor a Roth growth assumption belongs in an annual tax-saving total.
Eligible direct contributions can reduce federal income tax. A qualifying section 125 salary-reduction contribution can also reduce employee Social Security and Medicare liability. The payroll saving depends on annual wage-base crossings and Additional Medicare thresholds; a flat 7.65% does not fit every salary.
Not always. Ages 50+ may have additional room, with a higher limit at ages 60–63. If 2025 wages with the plan sponsor exceeded $150,000, 2026 catch-up must be Roth under the applicable rule. The regular $24,500 limit is separate; plan availability still needs confirmation.
The direct Roth IRA limit depends on Roth-specific modified adjusted gross income, annual taxable compensation and combined IRA contributions. The phase-out may permit a partial contribution. Gross salary alone does not establish the limit; no current deduction or future growth amount is calculated for Roth room.