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Interactive demo · Fictional member · September 1, 2026

See what changes with your next paycheck

Explore with fictional data. No signup or payment required. Edits reset on refresh.

Alex’s pre-tax 401(k) is on track for the annual limit. See how much more can go into after-tax contributions and convert to Roth.

Personal Benefits Portal

Contribution progress, paydays, benefit deadlines, and employment changes in one place.

Optional: you could put in more

Google · After-tax 401(k)

Add $23,250 in after-tax contributions this year

Payroll instruction

Set contributions to $3,406.25 per paycheck · up to 34.06% of pay

First paycheck: Sep 15
Through: Dec 31

After you saveReview your Sep 15 paystub and record the actual contributions here to verify this change.

Based on your year-end plan

Paycheck contributions continue through Dec 31.

Why this amount?

This fits the amount available under the combined limit across those paychecks.

Uses scheduled paychecks; future bonuses are not included.

Calculation used

Already deposited: $26,000, including employee and employer contributions.
Remaining pre-tax and Roth contributions: $12,500.
Future employer contributions allowed for, including any true-up: $6,250. Employer money already deposited is included above.
8 adjustable paychecks: set after-tax contributions to $3,406.25 per paycheck
Combined plan limit: $72,000
Applicable annual after-tax allowance: $35,250.

Employer match

The true-up answer does not change this projection.

What to try

Open the after-tax instruction, enter the suggested amount in the after-tax field, and save. The combined forecast includes employee contributions and Google’s match.

Sample starting details

Employer: Google
Annual salary: $240,000
Paydays: 15th and last day of each month
Starting totals through: August 31, 2026
Pre-tax / after-tax / match deposited: $12,000 / $8,000 / $6,000
HSA deposited: $2,600, including $1,000 from Google · self-only coverage

Google’s after-tax 401(k) contributions have their own annual limit, receive no company match, and convert to Roth automatically unless you opt out. Read Google’s contribution rules. Alex’s salary, paydays, and contribution records are illustrative.

Switching examples discards your edits. Alex’s profile and records are illustrative. Employer plan information comes from public sources; unpublished details stay unconfirmed. The calculations and editors are the same ones used by Cedarwise members.

2026 contribution outlook

Contribution plan: through year end

Your pre-tax and Roth 401(k) contributions · all employers

On track to reach the limitYear-end forecast $24,500

Projected limit date: December 31.

Google: Pre-tax, Roth, after-tax, and employer contributions combined

You could contribute $23,250 moreYear-end forecast $48,750

Total HSA contributions

On track to reach the limitYear-end forecast $4,400

Projected limit date: December 31.

control

Through year endNo departure planned

Employer match$12,250 projected employer matchThe true-up answer does not change this projection.

Calendar

Paychecks and checkpoints

2023–2027

Needs youTrackedConfirmedFor awareness

2026 calendar year

September 2026

1

Current contribution election takes effect

Membership started; earlier paychecks come from your statements

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September 2026 details

Upcoming

Sep 1Current contribution election takes effectFor awareness

Sep 1Membership started; earlier paychecks come from your statementsTracked