Pre-Tax Deduction Simulator 2026

Pre-Tax Deductions & Tax Savings Simulator

Adjust 401(k), HSA, and pre-tax health insurance sliders to see how much income tax you shield from peak marginal tax rates.

Adjust 401(k), HSA, and Medical sliders to see how pre-tax deductions lower your taxable income and save you real tax dollars.

GROSS ANNUAL SALARY ($)

STATE TAX LOCATION

401(k) Retirement Contribution6% ($5,100/yr)

HSA / Health Savings ($/mo)$150/mo ($1800/yr)

Pre-Tax Health Insurance ($/mo)$200/mo ($2400/yr)

TOTAL PRE-TAX DEDUCTIONS

$9,300

Shielded from Income Tax

TOTAL TAX DOLLARS SAVED

+$3,065 / yr

Kept in your pocket

TAX SUBSIDY DISCOUNT

33.0%

IRS pays 33% of your contributions