Paycheck Optimizer | Fiat Is Fake

Tools · Paycheck Optimizer

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Maxing your 401(k)
costs less than you think.

Pre-tax contributions reduce your taxable income. Enter your salary and see exactly what maximizing each account does to your actual take-home pay.

GROSS ANNUAL SALARY ($)

PAY FREQUENCY

FILING STATUS

STATE INCOME TAX (%) 🔍 verify×DON'T TRUST, VERIFYClaim: State income tax rates vary widely; use 0% for TX, FL, TN, WA, NV, AK, SD, WY, NH (no earned-income tax).Verify at: Tax Foundation state rates ↗Some states have graduated brackets; use your effective rate.

CURRENT ELECTIONS ($/YEAR)

401(k) CONTRIBUTION

HSA CONTRIBUTION

FSA CONTRIBUTION

OPTIMIZE TO 2026 MAX 🔍 verify×DON'T TRUST, VERIFYClaim: 2026 contribution limits: 401(k) $24,500, HSA $4,300/$8,550, FSA $3,300.Verify at: IRS limit announcements ↗Indexed annually for inflation.

Max 401(k) ($24,500) Max HSA single ($4,300) Max HSA family ($8,550) Max FSA ($3,300)

KEY INSIGHT

CURRENT SETUP

OPTIMIZED SETUP

FICA note: Social Security and Medicare taxes (FICA, 7.65% combined employee share) apply to your full gross salary regardless of pre-tax contributions. 401(k) and HSA contributions reduce federal and state income tax but not FICA 🔍 verify×DON'T TRUST, VERIFYClaim: FICA is 7.65% employee share (6.2% SS + 1.45% Medicare). HSA via payroll avoids FICA; 401(k) does not.Verify at: IRS Topic 751 ↗Social Security tax applies up to the annual wage base; Medicare has no cap..

→ Tax Estimator, the full 2026 federal + all-50-state engine → Cost of Living Calculator, see what your real monthly costs are → Personal Finance Order of Operations → Roth vs Traditional → HSA Calculator

Not financial advice. Rough estimates for standard deduction filers. Actual tax situations vary.

Maxing your 401(k)costs less than you think.

Related

Maxing your 401(k)
costs less than you think.