Maximize mode sets your 401k contribution to the match cap rate to capture the full employer match, and sets ESPP to the plan cap to maximize the guaranteed discount return. Take-home is computed after all pre-tax deductions.
Target take-home mode first locks in the 401k match, then solves for the ESPP contribution rate that brings your net paycheck to exactly your target. If the math requires more ESPP than your plan allows, the closest achievable take-home is shown instead.
ESPP return is the guaranteed profit from the purchase discount, not the full contribution: discount divided by (1 minus discount). At 15% this is approximately 17.6%, assuming immediate sale at purchase.
Federal income tax uses the 2026 IRS tax brackets and standard deduction applied to your adjusted gross income. State income tax uses 2026 Tax Foundation bracket data. Social Security is 6.2% on wages up to the 2026 wage base of $176,100. Medicare is 1.45% on all wages, plus an additional 0.9% above $200,000 (single) or $250,000 (married filing jointly).
Does not include local or city taxes. Planning estimate only.