To determine the annual salary needed to reach the 401(k) cap by the end of July 2025, it's necessary to first identify the 2025 contribution limits. 2025 401(k) Contribution Limits Employee elective deferral limit (under age 50): $23,500 Employee elective deferral limit (age 50 or over): $23,500 + $7,500 (catch-up contribution) = $31,000 Employee elective deferral limit (age 60-63): $23,500 + $11,250 (higher catch-up contribution) = $34,750 Calculation 1. Determine the monthly contribution needed: Divide the applicable annual contribution limit by the number of months the contribution is being made, which is 7 (January-July). Under age 50: $23,500 / 7 months = $3,357.14 per month Age 50 or over: $31,000 / 7 months = $4,428.57 per month Age 60-63: $34,750 / 7 months = $4,964.29 per month 2. Calculate the annual salary needed (assuming a target contribution percentage): This calculation depends on the percentage of salary you wish to contribute to your 401(k) each paycheck. To find the approximate annual salary for a given contribution percentage, divide the desired monthly contribution by that percentage. Example (contributing 10% of salary, under age 50): $3,357.14 (monthly contribution) / 0.10 (10%) = $33,571.40 (monthly salary) Annual Salary: $33,571.40 x 12 months = $402,856.80 Important Considerations This calculation doesn't account for employer contributions. These contributions do not count towards the employee elective deferral limit. Payroll systems are designed to stop contributions once the annual limit is reached. However, it's wise to monitor contributions to prevent over-contributing. The total combined employee and employer contributions are also subject to limits, which are $70,000 for 2025, or up to $77,500 if age 50 or over, and $81,250 if age 60-63. The total contribution from all sources cannot exceed 100% of your compensation. Consult your plan administrator and/or financial advisor for guidance tailored to your specific situation.
纽约很多一月份发奖金的都是新年第一张paycheck 401K就满了, 当然有401K match的要仔细看一下match有没有per check limit. 如果有的话还是要每个月放。
谢谢提醒！ 还好没有limit.
谢谢😊
同问。公司是quarterly match的怎么办？
看公司的policy调整，公司的match当然要拿满 我司没有这种限制，只有年度match top，因此早存更好。另外就是万一被裁员，起码能把这一年的match全拿到
赞最后一句，我都没想到这一点😆
赞的
这话说的。早投资还可能早损失那。就是被裁了也能拿到公司的match算是个不错的想法。不过大部分公司都是有上限的5%左右的match。存早了就拿不到后面公司给的match。这种情况早存是损失
不管多少都值得。免费的钱为什么不要？一般公司是按你存的钱数的50%到100%配比。上限一般都是工资额的5%左右。这种情况早存满了。后面就拿不到公司match了。
正确的事，越早做越好，适用于所有情形
一开始就是都到短期的债卷基金或者MoneyMarket. 然后你自己控制那天转到Equity funds.
谢谢提醒～ 我们公司没问题～
谢谢😊！
我们也是，前面几年不知道，早早存满，后面损失了公司的match
也是这种懒人策略，发工资就定投，自己折腾没精力。