# Are contributions to 401k outside of payroll pre-tax?

Between my payroll deductions for 401k and my employer's contribution, I don't get to my $18,500 +$6,000 catch-up limit for 2018. If I put money into the 401k account from my own funds/savings to reach my limit, will that give me a tax advantage? Will it also reduce my taxable income?

This is a similar question but I'm not clear from the answers if it reduces the taxable income.

Added: My 401k plan allows me to add my own money to it (I just did it using their online portal). My question is if that money that I add reduces my taxable income.

• It sounds like you may want to contribute to an IRA, if you haven't already. – pants Dec 30 '18 at 13:07