Pre-tax retirement savings shrink your taxable income, so each dollar saved costs you less than a dollar of take-home pay.
401(k) rate
Saved per year
Federal tax
Take-home
0%
$0
$31,934
$134,296
5%
$9,000
$29,774
$127,456
10%
$18,000
$27,614
$120,616
15%
$27,000
$25,454
$113,776
With state income tax
State tax depends on where you live. These rows show the effect of a flat rate on top of federal taxes; plug your own state's rate into the paycheck calculator.
About $134,296 for a single filer in a state with no income tax, based on 2026 federal brackets, Social Security and Medicare. That is $11,191.33 a month or $5,165.23 every two weeks.
What tax bracket is $180,000 in?
For a single filer, after the standard deduction the top dollars are taxed at 24%. The average federal income tax rate is much lower, 17.7%, because lower brackets apply first.
How much does a 401(k) save in tax?
Putting 10% ($18,000) into a traditional 401(k) lowers federal income tax by about $4,320 a year for a single filer, so take-home pay drops by less than the amount you save.