contribution slip · IRS · 2026-10-04
Subtract Deferrals from the 2026 Limit
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Example result. Replace the sample figures with your own.
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Example result
$14,500.00 of elective deferral room remains.
Example loaded. Change a figure to use your own.
Under age 50, the 2026 employee limit is $24,500.
About $1,450.00 per remaining paycheck reaches the employee limit.
- 2026 employee limit: $24,500.00.
- Deferral so far: $10,000.00.
- Room: $14,500.00.
- Per remaining paycheck: $1,450.00.
What would change this
Age band, year-to-date deferrals, or pay periods left change the room and the per-check amount.
Next step
Ask the plan whether it allows the catch-up. This tool counts employee deferrals only. Employer contributions use a separate limit that this tool does not price.
Re-check before the last paycheck of 2026. A plan can set a lower limit.
This tool gives general information. It is not financial or tax advice. Confirm the numbers with the provider or a licensed adviser before you act.
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Show the working
- Source: IRS news release IR-2025-111, November 13, 2025, checked 2026-10-04.
- The same employee limits apply to 401(k), 403(b), governmental 457(b), and the Thrift Savings Plan.
- A plan may have its own lower limit. This tool uses the IRS employee ceiling only.
Data as of 2026-10-04. Source: IRS — IR-2025-111, 401(k) limit increases to $24,500 for 2026.
What this does not cover
- High earners may have to make catch-up contributions as Roth contributions. This tool does not apply that rule.
- A 403(b) 15-year catch-up is a separate test.
- Confirm the age band with the plan.
This tool gives general information. It is not financial or tax advice. Confirm the numbers with the provider or a licensed adviser before you act.
Re-check before the last paycheck of 2026. A plan can set a lower limit.