Estimate how much 401(k) room you have left for the year and the per-paycheck contribution needed to reach the limit.
Remaining Employee Headroom
--
Enter your contribution year, age band, and savings progress to estimate remaining 401(k) room and employer match capture.
Tap an example to prefill the calculator with sample values.
Midyear max-out plan
Age 45 with 12 paychecks left
Useful when you want to see how aggressively you need to defer for the rest of the year without losing the employer match.
Result: This scenario shows the remaining employee limit and the per-paycheck contribution needed to finish the year at the IRS cap.
Age-61 catch-up sprint
SECURE 2.0 higher catch-up band
People in the age-60-to-63 band often need a fast midyear check because their catch-up room is materially larger than the general age-50 catch-up.
Result: The higher catch-up limit meaningfully raises the remaining room, but the employer match may still plateau well before the employee limit.