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Rising Star
72k x 25% = $1500/month, so by end of feb you’ll have contributed about 3k. So the remaining amount to contribute this year is $20,500-3000= 17,500.
17.5k/110k = 15.8%
If your new base of 110k starts in march, you could set your new contribution rate to 16% and it would get you just about to where you needed.
Pro
You guys. Most if not all 401k plans let you specify a dollar amount per pay cycle, it doesn't need to be a %. If you receive 26 checks a year and you've collected 4, you have 22 checks left. Take the maximum contribution less the amt contributed and divide the dollar amount by the # of remaining checks for the year. I don't know why you're worried about not receiving a match? If you match is 3% of your salary and the rule is you have to yourself contribute 6%, as long as you end up putting $6600 of your own money, you'll get the match this year. Employer match is not included in the max contribution. It's just extra.
Rising Star
Most plans automatically stop at the limit, no matter what you have set up.
When i changed jobs the new company's plan asked how much I had contributed already so they could cap it at the limit
Why don't you adjust the percentage based upon contributions between March and the end of the year. Will you have a high deductible health plan through your new employer? If yes, you can contribute to your HSA for an additional tax benefit.
You would contribute enough to hit the max at the end of the year like most people