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
—
—
IRS Maximum for Your Age
—
Year 1 estimate
With 401(k) Plan Add-On (optional)
DB / Cash balance contribution
—
401(k) employee deferral
—
401(k) profit sharing (6% of W-2)
—
Total estimated contribution
—
Estimated Tax Savings
—
* 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 capped at 6% of W-2 for corporations. This calculator does not constitute tax or legal advice.