2027 Per-Paycheck Calculator

401(k) Limits When Changing Jobs Midyear in 2027

Short answer: The $25,500 employee elective deferral limit ($34,000 at 50+, $37,250 at 60–63) is an individual per-person limit across all 401(k) plans in 2027, not a per-employer limit.

Enter Prior-Employer YTD in the Calculator →

Why Your New Employer Won’t Auto-Stop at $25,500

Your new employer’s payroll system only sees what you have contributed at your new job. It does not know how much you contributed at your prior employer earlier in 2027. If you contributed $10,000 at Job A and let Job B’s payroll run to $25,500, you will have a $10,000 excess deferral.

How to Set Your New Paycheck Amount

  1. Check your final pay stub from your prior employer for 2027 Box 12 (Code D for pre-tax, Code AA for Roth) elective deferrals.
  2. Open section C. Changed jobs or starting midyear? in the calculator and enter that amount in Prior employer in 2027.
  3. Confirm your exact number of remaining 2027 paychecks at your new job to get your adjusted per-paycheck amount.
2027 401(k) Contribution Limits

Official IRS Notice 2026-66 limits: $25,500 base, $34,000 at 50+, $37,250 at 60–63, and $75,000 total 415(c).
How Much Per Paycheck to Max Out in 2027

Exact per-paycheck amounts for weekly, biweekly (26 and 27), semi-monthly, and monthly schedules.
2027 401(k) Catch-Up Contributions (50+)

How the $8,500 catch-up works, the Dec 31 age rule, and why 64+ returns to $8,500.
Ages 60–63 Super Catch-Up ($11,750)

How SECURE 2.0 replaces the $8,500 catch-up with $11,750 for ages 60–63 ($37,250 total).
Mandatory Roth Catch-Up ($155,000 Rule)

SECURE 2.0 Section 603: why 2026 FICA wages over $155,000 require Roth catch-up contributions in 2027.
27 Biweekly & 53 Weekly Paychecks in 2027

Why Jan 1, 2027 (Friday) creates 27 biweekly or 53 weekly paydays—and how constructive receipt applies.
Employer Match & True-Up Explained

How front-loading can forfeit per-paycheck employer match if your plan lacks a year-end true-up.
How 401(k) Contributions Affect Take-Home Pay

Why pre-tax deferrals reduce federal/state income tax withholding—but never Social Security or Medicare.