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Out-of-Pocket Cost of Pretax Contributions Calculator
Out-of-Pocket Cost of Pretax Contributions Calculator

If you make a pretax contribution to your retirement plan, what's the after-tax out-of-pocket cost to you?


$

Enter the amount of your pretax contribution to your retirement plan.

%

Enter the applicable tax rate. This amount should represent the total tax rate that would apply if you had not made the pretax contribution, taking into consideration all of your taxable income. In general, consider marginal federal, state, and local income tax rates, as appropriate. State and local tax rates are generally relevant only if an income tax is imposed on your wages at the state or local level and taxable wages are reduced by salary reduction contributions.



This calculator considers only income tax savings based on reducing your taxable salary by making the pretax contribution.

It does not consider income taxes that may be due on distributions from your retirement plan in the future.

This calculator assumes that all pretax contribution amounts reduce taxable compensation and the income tax attributable to that compensation.


Any information provided has been prepared from sources believed to be reliable but is not guaranteed, does not represent all available data necessary for making investment decisions and is for informational purposes only.

This communication is strictly intended for individuals residing in the state(s) of AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, GU, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT and VT. No offers may be made or accepted from any resident outside the specific states referenced.
Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2025.