πŸ’Έ US Tax Explorer

Estimate take-home pay across states by visa/residency status β€” and see how 401(k) and mega-backdoor Roth change the picture. Educational estimates only, 2025 figures.

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Your Compensation

Status

Retirement & Tax Shelters

Drag a slider β€” the tax impact updates live. pre-tax lowers taxes now; Roth is taxed now, tax-free later.

State

Gross comp
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Total tax
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Take-home
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Effective / Marginal
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Where your money goes

Take-home Federal State FICA 401(k) + after-tax
Line itemAmount% of gross
How status affects your taxes

    Compare take-home across states

    StateState taxTotal taxEffectiveTake-home

    Compare 401(k) scenariosβ€” in your selected state

    ScenarioPre-taxAfter-taxTotal taxCash take-homeSaved for retirementNet worth Ξ”/yr
    Net worth Ξ”/yr = cash take-home + everything diverted into your 401(k) (your contributions + employer match). It's the truest "what did this year add to my wealth" number β€” money in the 401(k) is still yours, just illiquid. Maxing pre-tax + mega-backdoor lowers your cash but raises your net worth the most by capturing tax savings and match.

    401(k) & mega-backdoor impact

      Per-paycheck contribution calculator

      Strategy: max your elective as pre-tax, hit a target take-home, and route the rest to after-tax β†’ Roth. Uses the filing status & state selected on the left.

      Projected year-end balance & long-term value

      Where this year's 401(k) money lands by tax treatment (using the calculator above), then grown to retirement. After-tax is treated as converted to Roth.