Retirement Planning Tool
Defined Benefit &
Cash Balance Plan Calculator
Estimate your year-one plan contribution — and potential tax savings — in seconds.
Entity type
Your age (as of Dec 31)
Annual W-2 compensation
Enter your gross annual income
$
Base DB / Cash Balance Contribution
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IRS Maximum for Your Age
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Year 1 estimate
With 401(k) Plan Add-On (optional)
DB / Cash balance contribution
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401(k) employee deferral
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401(k) profit sharing (6% of W-2)
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iOn a Schedule C, only part of your net income is assigned as compensation and the rest goes into the plan. The split is set by the plan actuary, so profit sharing cannot be calculated without a W-2 or K-1 line 14A figure.
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Total estimated contribution
Excludes profit sharing, which is still to be determined
Estimated Tax Savings
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* Assumes 40% combined tax rate. For illustrative purposes only — consult a qualified tax advisor.
Year 1 estimate only. Assumes business operating 3+ years, owner-only plan, 5% interest crediting rate. Actual contributions determined by actuary. 401(k) deferral limits based on 2025 IRS guidelines ($23,500 under 50 / $31,000 age 50+). Profit sharing is shown as 6% of W-2 for S-corp and C-corp entities. For sole proprietorships and partnerships without a W-2 or K-1 line 14A figure it is shown as TBD, because compensation is set by the plan actuary. This calculator does not constitute tax or legal advice.