Pay less tax

Pay yourself first, and pay the IRS less.

Money you put into a 401(k) comes out of your paycheck before taxes, so it shrinks this year's tax bill while building your retirement.

Watch the quick version

See how it works through one simple example.

Is this you?

You have a job that offers a 401(k).
Most full-time employers offer one. Check your HR or payroll portal.

Here is the idea, in plain words

Your contribution is taken from your pay before income tax. So $1,000 in at a 22% bracket cuts your tax by about $220 now.

It grows untaxed until you retire. Many employers also match part of what you add, which is free money.

You can change how much you contribute any time through payroll.

See what you could save

Slide to how much you could add this year.

$0
You could cut this year's tax bill by about
$0

This is a rough guess. Connect your account to see your real number, down to the dollar.

A simple federal estimate to show the idea, not a tax filing. Real numbers depend on your full situation and current limits, which we confirm before you act.

Ready?

See your real 401(k) savings

Connect your account and we show your remaining room, your employer match, and the tax you save.

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Free to check. Nothing happens until you say so.

What to watch out for

The honest version.

  • Money is meant for retirement. Taking it out early usually means tax plus a 10% penalty.
  • There is a yearly limit on how much you can contribute.
  • Always grab the full employer match first. Leaving it is leaving free money.

Common questions

What is an employer match?

Your company adds money when you do, up to a limit. Always contribute enough to get the full match.

Traditional or Roth 401(k)?

Traditional cuts taxes now. Roth is tax-free later. Many people split.

Can I change my amount?

Yes, any time through payroll.

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