CMC Interactive, LLC

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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.


CMC Interactive, LLC does not provide investment, tax, or legal advice. The information presented here is not specific to any individual's personal circumstances.

To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.

These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

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