401(k) Planning Tool

Is Your 401(k) Actually Working for You?

Most people set their 401(k) contribution once and forget about it. Use this calculator to find the exact withholding percentage to max out your contributions this year, including catch-up and after-tax spillover.

No sign-up · Instant results

I built this calculator from patterns I see every day working with Fortune 500 employees. If your results raise questions, I’m happy to walk through them with you.- Jay Chang, VP, Wealth Advisor

Want to make sure you’re getting the most out of your plan?

Your 401(k) is just one piece of the picture. I can look at the whole thing: taxes, investments, retirement timeline, and tell you where you stand.

Schedule a Conversation With Me

Confidential · Available nationwide

This calculator is for informational purposes only and does not constitute financial advice. 401(k) contribution limits are based on 2026 IRS guidelines and may change. Actual withholding may vary depending on your employer’s plan rules, pay frequency, and timing of contributions.

Advisory services provided by Farther Finance Advisors LLC, an SEC-registered investment adviser. Jay Chang is a VP, Wealth Advisor affiliated with Farther Finance Advisors LLC.