About This Calculator

The 2027 401(k) Per-Paycheck Calculator is a free, single-purpose financial arithmetic tool designed to help US employees set accurate per-paycheck 401(k) deferrals for the 2027 tax year.

Why We Built It

Most online 401(k) calculators still use outdated limits, round up to $980.77 × 26 (which exceeds $25,500), ignore 27-paycheck years, or bundle noisy 30-year retirement projections. This tool focuses strictly on getting your 2027 per-paycheck deferral right—including midyear job changes, ages 60–63 super catch-up, the $155,000 mandatory Roth catch-up rule, and employer match true-up risk.

Disclaimer

This site is an educational arithmetic tool and does not provide tax, legal, or investment advice. Consult your plan’s Summary Plan Description (SPD) or a qualified tax professional for plan-specific rules.