Net Pay. $829.34. The difference in your final take-home pay is only $55.48, which is $13.75 less than the amount that you contributed to the 401(k) account. This is due to the fact that when you make a contribution to the 401(k) account, this amount is no longer subject to income tax.et Pay. $829.34. The difference in your final take-home pay is only $55.48, which is $13.75 less than the amount that you contributed to the 401(k) account. This is due to the fact that when you make a contribution to the 401(k) account, this amount is no longer subject to income tax.