How much do 401(k) and IRA contributions reduce my taxes in 2025?
Estimate the tax impact of 2025 or 2026 401(k) or IRA contributions by entering filing status, taxable income, age, and planned contributions. The calculator applies IRS brackets to approximate federal tax savings and compares take-home pay with and without the contribution.
How this calculation works
- Applies IRS tax brackets for the selected year and filing status.
- Estimates tax with and without the contribution to calculate savings.
- Shows an approximate take-home pay impact from the contribution.
Common mistakes and caveats
- Employer matches and state taxes are not included.
- Contribution limits and deduction rules can restrict savings.
- Results depend on accurate taxable income inputs.
FAQ
Do Roth contributions reduce current taxes?
No. Roth contributions are made after tax and generally do not reduce current taxable income.
Last updated & sources
Last updated January 27, 2026.
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