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How do you make sure your 401k contributions are maximized? If I go to the broker and adjust the contribution % based on my salary and my salary changes, it could get me over or leave me short. Trying to get recommendations and see what has worked for others. Thanks!

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Better to go over. Your payroll should automatically stop contributing once you hit the max.

For example, if you usually contribute $500 per pay, and at the end of the year you are just $300 under the limit, they will only contribute $300 and you won’t have to worry about being over or under.

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…it’s an illustrated example…

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As long as you only have one employer during the year, they won’t let you over contribute. WHen you reach the max, it will stop taking contributions. If you have more than one job then you need to manage it.

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Does your employer stop contributions when you hit the limit? If so just put at percentage that is a little over. If not just adjust it as needed throughout the year to get as close as you can by year end

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What others have said above.

Also, if you weren't aware, it's too late to make any changes for this year.

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Thanks everyone! Wasn't aware that employer stops anything thats gone over if im with same employer for the year.

It is possible they won’t but I think that is pretty standard

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