Overemployment Retirement Calculator

The essential retirement planning tool for overemployed workers juggling multiple jobs. Track pre-tax, after-tax, and employer match contributions across all your 401(k) plans against IRS limits—maximize your retirement savings while staying compliant.

  • ✓Manage multiple 401(k)s across all your jobs
  • ✓Track shared pre-tax limits across employers
  • ✓Stay within IRS limits ($23,500 pre-tax / $70,000 total for 2025)

Have self-employment income? Find the best Solo 401(k) providers to maximize your retirement savings.

Combined Totals Across All Plans

Pre-tax
$22,500/ $23,500
95.7% of limit
After-tax
$25,000
Employer Contributions
$8,000
Total Contributions
$55,500
Across 1 plan

Your Retirement Plans

Primary Employer

$22,500
$0$23,500
$25,000
$0$70,000
$8,000
$0$70,000

Total:$55,500 / $70,000

Remaining:$14,500