CFP® Advisory & Public Sector Suite
Workplace & Pension Decision Lab
Specialized mathematical decision tools for corporate 401(k) participants, school district educators, and state pension members. Calculate the true take-home impact of your paycheck contributions, analyze pension survivor maximization, and avoid costly tax traps.
💼 Earnings & Pay Frequency
Step 1
Enter your annual salary or hourly rate along with your paycheck frequency to establish your gross baseline.
Default is 4.5% standard state withholding
📈 Retirement Plan Deferrals
Step 2
Compare your current contribution level against a proposed higher savings goal to see the exact net impact on your wallet.
Current Savings Level
Proposed Higher Savings Goal
Additional Savings
Additional Retirement Savings
Growth
The extra dollars flowing into your retirement account every paycheck.
Driven By:
- Proposed Deferral %: The higher contribution target chosen.
$0
Per paycheck savings increase
Net Paycheck Impact
Actual Take-Home Reduction
Cash Flow
The actual change in your net deposited paycheck. Notice this is significantly LESS than the amount saved!
The Tax Subsidy:
- Pre-tax Deductions: Lowers both federal and state income tax withholding immediately.
$0
Actual reduction in take-home pay
Tax Subsidy
Government Tax Subsidy
Tax Relief
The percentage of your new retirement contributions funded entirely by IRS and state tax savings.
💡 Free leverage: The government contributes alongside you by reducing your taxes!
0%
Portion paid by tax savings
🧾 Side-by-Side Paycheck Breakdown
Per Check
Observe how pre-tax retirement deductions decrease your tax withholding and preserve take-home pay:
| Paystub Item | Current Check | Proposed Check | Difference |
|---|---|---|---|
| Gross Wages | $0.00 | $0.00 | $0.00 |
| Pre-Tax Retirement Deferral | $0.00 | $0.00 | $0.00 |
| Federal Income Tax Withholding | $0.00 | $0.00 | $0.00 |
| FICA (Social Security & Medicare) | $0.00 | $0.00 | $0.00 |
| State Income Tax Withholding | $0.00 | $0.00 | $0.00 |
| Roth Retirement Deferral | $0.00 | $0.00 | $0.00 |
| Net Deposited Paycheck | $0.00 | $0.00 | $0.00 |
💡 The Power of the Pre-Tax Incentive: Enter your salary and retirement goals on the left to see how tax bracket reductions allow you to save more with minimal impact on your lifestyle.