Benefits & retirement
How 401(k), Roth, HSA and FSA contributions change your paycheck and your tax bill.
Calculators
401(k) Paycheck Calculator
Traditional vs Roth 401(k): the effect on each paycheck and on your taxes.
Guides
How 401(k) Contributions Affect Your Take-Home Pay
Traditional 401(k) cuts taxable income but not FICA wages. At $70k, a 6% contribution ($162/paycheck) only reduces take-home by $129 — taxes offset the rest.
HSA and FSA: How They Save Money on Your Paycheck
HSA contributions (up to $4,400 self-only or $8,750 family in 2026) and FSA contributions (up to $3,400) reduce both income tax and FICA — unlike a 401(k).
Roth vs. Traditional 401(k): Paycheck Impact
Traditional 401(k) costs less per paycheck than Roth due to the current tax break. At $70k with $7,000 contributed, traditional saves $46 per biweekly check.