Transparent calculator methodology
Coordinate one employee deferral limit across multiple jobs
Employee 401(k) and 403(b) deferrals generally share one annual limit even when payroll systems belong to different employers. This calculator starts with contributions already made, then allocates the remaining room across up to two current plans.
What the estimate includes
- Old-job and other year-to-date employee deferrals
- Remaining paychecks and eligible pay in each current plan
- Each employer match formula and payroll contribution ceiling
- Age-based catch-up room, captured match, and possible excess warnings
How the comparison works
The optimizer reserves the shared annual employee-deferral room, prioritizes employee dollars that unlock the greatest employer match, and then spreads any remaining savings room across available payroll. Employer match is reported separately because it generally does not use the employee deferral limit.
Important limitation
This is a payroll planning estimate, not a correction filing or plan interpretation. Verify plan eligibility, compensation definitions, match tiers, true-up rules, contribution deadlines, and any excess-deferral correction directly with each plan administrator and a qualified tax professional.