<prompt> Human: If I contribute 11, Im not maxing out my 401k, but if I set it to 12, Im over the 17,500 limit, which as I understand, is not a good thing to do. Web site wont let me set my contribution to 11.5.Not sure theres anything I can do, just venting...  <response>: Most payroll systems will automatically stop your contributions once you reach the IRS limit for the year. If you set your contributions to 12, then HR should cut you off at exactly 17,500. You should contact them to make sure. Also note that any contributions by your employer such as matching dont count toward the 17,500 limit.Of course, if you switch jobs during any given year, you need to tell your new employer what your YTD 401k contributions are so they can set the cutoff correctly at your new job. 