401(k) Tax Savings Calculator 2025: Traditional vs Roth, Match & Take-Home Impact

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Quick Summary: Enter your salary, contribution %, and employer match to estimate tax savings, take-home pay change, and future value. Compare Traditional 401(k) (pre-tax) vs Roth 401(k) (after-tax) to optimize your 2025 contributions.

🧮 401(k) Tax Savings Calculator (2025)

Federal estimate only. State/local taxes and contribution limits are simplified. For education, not tax advice.

Annual Salary ($)

Filing Status

Contribution Type

Your Contribution (% of salary) We’ll also show the dollar amount.

Employer Match Rate (%) Example: “50% match up to 6% of salary” → enter 50 here.

Match Cap (% of salary) The “up to” percent the employer will match (e.g., 6%).

Years to Invest (projection)

Annual Return Assumption (%)

Your Contribution (Annual)

= Salary × Contribution %

Employer Match (Annual)

Capped by match policy

Estimated Federal Tax Saved

Traditional only; Roth shows $0 (taxed now)

Take-Home Change / Paycheck

Assumes 26 paychecks / year

Projected Account Value

Future value of yearly contributions (you + employer)

How to Read Your Results

Estimated Federal Tax Saved: Applies only to Traditional 401(k). Roth contributions are taxed now but withdrawn tax-free in retirement (assumed).
Take-Home Change / Paycheck: Shows how much your actual paycheck changes (based on 26 pay periods per year).
Projected Account Value: A simple compound growth estimate based on yearly contributions (employee + employer match).

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FAQ

1) Traditional vs. Roth — Which One Is Better?

If your current tax rate is high and expected to drop after retirement, a Traditional 401(k) may be more beneficial. If you expect higher taxes later, a Roth 401(k) could be the smarter choice.

2) Is Employer Match Taxable?

No. The employer match is not included in taxable income and grows tax-deferred inside the account.

3) Why Might the Calculator Results Differ from Actual Taxes?

This tool uses a simplified federal tax model and does not include state or local taxes, contribution limits, or phaseouts. Please use it for educational and estimation purposes only.

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Conclusion

Use this 401(k) Tax Savings Calculator 2025 to instantly visualize your post-tax paycheck impact, potential tax savings, and compound growth. The key is to find your ideal contribution rate and take full advantage of your employer match.

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