Methodology
Read the calculator assumptions.
Every modeled amount is conditional. The methods and references appear beside the tool.
Open the calculatorMethodology
Show the assumptions.
Keep the boundary visible.
Educational tools should help you ask a better question, not manufacture certainty.
The scope
What the calculator actually does.
| Layer | Included | Not included |
|---|---|---|
| Contribution room | Year-specific dollar references and a simplified per-target annual-additions calculation. | Plan-specific compensation, deduction and contribution qualification determinations. |
| Gateway illustration | One-third / 5% comparison under an expressly common-compensation, standalone-DC assumption. | Combined DB/DC gateways, broadly available allocation alternatives or individual testing populations. |
| Employer budget | Target and aggregate employee funding, existing matches, baseline and same-budget comparisons. | A certified allocation, age-based benefit normalization or an optimized design. |
| Output | Transparent arithmetic, caveats, sensitivity comparisons and local export. | A pass/fail result, feasibility score, tax-savings promise or funding instruction. |
When to stop using a simplified model.
Related employers, a cash balance or other DB plan, self-employed earned income, complex exclusions and uncertain compensation require additional facts. The model does not silently turn those facts into a positive result.
Education
Understand the governing terms.
The actual plan document and amendments determine what can be operated.
Read the document guideBetter questions today. Better tools next.
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