2025
Retirement
Contribution
Calculator
with a 2% per-paycheck match from your company
Paycheck Income | Retirement Contribution | Employee Contribution | Company Contribution | |
|---|---|---|---|---|
Jan #1 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Jan #2 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Feb #1 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Feb #2 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
STI | $ | STI uses the same contribution percentage as the Mar #1 paycheck: 12% | $1,800.00 | $300.00 Maximum possible: $300.00 |
Mar #1 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Mar #2 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Apr #1 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Apr #2 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
May #1 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
May #2 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Jun #1 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Jun #2 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Jul #1 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Jul #2 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Aug #1 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Aug #2 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Sept #1 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Sept #2 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Oct #1 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Oct #2 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Nov #1 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Nov #2 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Dec #1 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
Dec #2 | $ | % | $840.00 | $140.00 Maximum possible: $140.00 |
I am not a financial advisor; this is not financial advice.
Certain values computed here could be off by 1¢ (depending on how different institutions handle fractions of a cent).
Employee + company 401k contributions combined should not exceed $70,000. This calculator does not enforce this limit.
The company has now introduced a true-up feature, but eligibility is contingent on a few factors and the true-up payment will not be delivered immediately. For those reasons, some employees may still be interested in maximizing per-paycheck matching.
Fidelity only allows integer contribution percentages (as does this calculator).
Fidelity will automatically cap 401k contributions at the yearly limit, but if you contributed to a different 401k account for another job this year, you are responsible for contributing the correct amount to this account.
Fidelity's website doesn't update as soon as contributions are made, and the way it displays end of year contributions can be misleading. I recommend using payslips as a source of truth.
Depending on your browser settings, data you enter here can be saved in your browser's local storage. Data in a browser's local storage is not sent to the server. That means when you revisit this site, you may see data you entered previously, but the information is not recorded or viewable by me.
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