What is the exact formula used to calculate semi-monthly take-home pay in Illinois after accounting for pre-tax health savings account deductions and maximum 401k contributions?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the exact formula used to calculate semi-monthly take-home pay in Illinois after accounting for pre-tax health savings account deductions and maximum 401k contributions?
3 real searches · 1 real-search pass
IRS 2026 401(k) contribution limit elective deferrals 2026 HSA contribution limits 2026Google ↗
OBSERVEDReason
Illinois individual income tax rate 4.95% official 2026Google ↗
OBSERVEDShort fact
IRS Publication 15 2026 social security Medicare tax HSA salary reduction 401k contributions FICAGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
IRS 2026 401(k) contribution limit elective deferrals 2026 HSA contribution limits 2026 Google ↗
Illinois individual income tax rate 4.95% official 2026 Google ↗
IRS Publication 15 2026 social security Medicare tax HSA salary reduction 401k contributions FICA Google ↗
- Retirement topics - 401(k) and profit-sharing plan contribution limits · irs.gov
- COLA increases for dollar limitations on benefits and contributions · irs.gov
- 2026 IL-700-T Illinois Withholding Tax Tables · tax.illinois.gov
- PAYROLL BULLETIN TO: All State Age · illinoiscomptroller.gov
- Publication 15 (2026), (Circular E), Employer’s Tax Guide · irs.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS 2026 401(k) contribution limit elective deferrals 2026 HSA contribution limits 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Illinois individual income tax rate 4.95% official 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
IRS Publication 15 2026 social security Medicare tax HSA salary reduction 401k contributions FICA OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |