Do all states allow the 401(k) pre-tax deduction?

Most states conform to federal law treating 401(k) deferrals as pre-tax, but Pennsylvania and New Jersey tax contributions at the state level even though the federal deduction applies.

How does a Roth 401(k) differ for state taxes?

Roth 401(k) contributions are made after-tax at both federal and state levels, so there is no current-year state deduction, but qualified distributions are generally tax-free.

State Tax Deduction for 401(k) Contribution Calculator

Estimate your combined federal and state tax saving per dollar contributed to a 401(k), factoring in states that conform to federal treatment and those with their own retirement contribution rules.

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$ Finance Disclaimer: These calculators are for educational and illustrative purposes only. Results do not constitute financial advice. Consult a licensed financial advisor before making investment or borrowing decisions.

How to Use

Enter the values for the scenario you are assessing. Estimate your combined federal and state tax saving per dollar contributed to a 401(k), factoring in states that conform to federal treatment and those with their own retirement contribution rules. Use the state 401k deduction result to inform your calculation.

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State Tax Deduction for 401(k) Contribution Calculator

How to Use

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Frequently Asked Questions

Do all states allow the 401(k) pre-tax deduction?

How does a Roth 401(k) differ for state taxes?