Why does Fidelity force you to round to whole % for 401k contributions? I want to contribute the exact % that will get me to the $19,500 max for next year.

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Just round up. Your payroll will automatically stop contributing once you’ve hit the max.

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It also leaves a little more in your last check of the year for gifts. Works out nicely.

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Not just Fidelity but all asset management platform only allows whole number %. Do what P1 says above.

You also cannot possibly accurately predict what you will earn for the full year at the beginning of the year as pay raises and bonuses will change.

By rounding up make sure you don’t hit the max before your last paycheck of the year. Otherwise you may miss out on match dollars if your company doesn’t have a match true up.

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