No census? Build one from a few facts.
Enter headcount, typical pay, owners, participation, and turnover, and Estimate Mode builds a realistic census for a credible first meeting. Swap in the real data whenever you have it.
Signed inInstant 401(k)
plan modeling.
Compare plans to see how every decision impacts cost, participation, and compliance. Built for advisors, consultants, and employers seeking a win-win: lower employer spending and a healthier nest egg for every employee.
Try the demo to explore 100 sample employees and modify or load up to 3 of your own – no account, and your census stays in your browser. Or book 30 minutes with the founders to walk through your plan.
studio.retira.app/demo
Employer matchStretch match
Vesting schedule20% a year
Cost / yr
$2.31M
Participating
86%
Forfeit. recap.
$53.1K
% vested by yearyrs of service
123456
ComplianceADPpassTop-heavyclearRecalculated in your browser
Census never uploaded
Every calculation runs in your browser. Exports are generated on your device.
Modeled on the regulations
Screens follow IRC §401(a)(4), §410(b), §416, and §404 methodology, with cited constants.
300+ automated tests
The calculation engine ships behind a deterministic, regression-tested suite.
Planning screens, not filings
Directional models – confirm results with your TPA, actuary, or recordkeeper.
How it works
From census to answers in minutes.
Three steps: load your census, set the plan rules, and read the answer. No waiting on a spreadsheet.
- 01
Load the census
Upload a CSV or enter employees by hand, or start from the built-in sample. Everything is computed in your browser.
- 02
Shape the plan
Set 401(k) contributions, cash-balance benefit-credit terms, eligibility, vesting, and termination rules. Every change recalculates instantly.
- 03
Compare the answer
Read costs and compliance signals, inspect employees, compare plan designs side by side, and export the result.
Your census never leaves your browser.
Calculations run in your browser, and employee census data is never uploaded to Retira.app. Signed-in features sync plan settings and client labels only – never employee rows.
More than a calculator
Build the census, screen the design, and package the decision, all without leaving the calculator.
Compliance screens that explain themselves.
ADP, ACP, coverage, cross-testing, and top-heavy checks recompute as you type. Each flag explains the gap in plain English and shows the dollars involved.
Import messy spreadsheets and plan documents.
Drop spreadsheets and plan documents together and review the column matches and cleanup suggestions. Optional AI sees headers and masked value shapes, never an employee row.
Signed inExport a one-page brief for the CFO.
Turn the model into a branded, cost-first summary with the key assumptions and who benefits. Export a full report or a focused CFO brief with your logo.
Outputs
Every result, and every chart is something you can dig into.
See cost, participation, contributions, vesting, compliance, and the employee detail behind every result. Click or drag in a chart to inspect its selection.
Sample plan · 100 employees · follows the design you set in the hero
Employer cost / yr$2.31M
Participation86%
Avg deferral6.4%
Eligible92 / 100
ComplianceADPpassACPpassCoveragepassTop-heavyclearPlus every employee, line by line.
Click any chart to select employees · Shift-click to combine · drag across the scatter to box-select. We'll take you to the summary below.
Your selection
Nothing selected yet. Click a chart, or drag across the scatter, and the numbers show up here.
On Retira.app, a selection like this opens the full list of employees behind it: names, compensation, deferrals, employer contributions, compliance flags, and one-click CSV export.
Identifiers stay hidden by default (you'll just see Employee 1, Employee 2, and so on), and you can reveal names and IDs whenever you actually need them.
See it in the demoBuilt for the CFO conversation
The CFO view is the same workspace, reframed around cost. It leads with what the plan costs the company and where the money lands, then packages the answer into a one-page brief you can hand off.
Cost, front and center
Annual employer cost up top, split into owner versus staff funding and cost per participant.
Compliance without the jargon
The same ADP, ACP, coverage, and top-heavy screens, summarized in plain English for a non-specialist.
A one-page brief to send
Export a branded CFO brief with the key assumptions and who benefits, always in light mode for clean sharing.
Open the CFO workspaceNo account needed, and your census stays in your browser.
Meet Julio, the AI assistant
Ask for an outcome: the cheapest design that passes ADP, more for the owner, or a new-comparability plan. Julio searches against the same screens as the calculator and stages proposals for your review.
- 01Local analysis. Deterministic tools read your census and plan in the browser.
- 02Privacy filter. Only sanitized aggregates and pseudonymous tokens ever leave the page – never a name, ID, or employee row.
- 03Staged, not applied. Every proposal lands on a confirmation card with computed before and after values. You apply it, or you don’t.
“Get the most into the owner’s account.”
Example · staged into Compare, Plan B–D
Owner-max new comparabilityPlan B
$72,000 to the owner · $118,400 total employer
Owner-max + 3% safe-harbor NECPlan C
$72,000 to the owner · $131,900 total employer
Owner-heavy, 2:1 staff ratioPlan D
$34,500 to the owner · $96,200 total employer
Each clears the modeled ADP, coverage, and cross-testing screens, and lands as a proposal you review and Apply – nothing changes on its own.
Modeled under Retira.app's informal screens, not a legal minimum. Confirm with the plan's TPA or actuary.
Advisors
Walk into the pitch with a design that beats the incumbent – and know how it screens before you present it.
TPAs & consultants
Screen ADP/ACP, coverage, cross-testing, and top-heavy on a real census in seconds, with the why behind each flag.
CPAs & CFOs
Read net employer cost and the owner’s number at a glance, then hand over a clean, branded brief.
Plan sponsors
Understand what a plan change costs and who it helps, in plain language – before signing anything.
About
Why we built Retira.
A simple plan-design question once meant spreadsheets, proposal cycles, and weeks of waiting – for trade-offs a computer can price in seconds.
So we built the calculator we wished existed: instant pricing, plain-English screens, and a census that never leaves your browser.
Meet the team
Ashish Gupta
GTM & Operations
Isaiah Rice
Lead Developer
Rohin Gupta
Data Analytics & Visualization
Nick Gonzaga
Advisor · 401(k) plan expert
With support from an independent patent attorney and an actuary. Contact us to learn more about the team.
Speed changes what gets considered.
When a scenario costs seconds, you can compare ten designs before the first meeting ends and re-check them as the census changes – rather than accepting one static proposal.
Spreadsheet + proposal cycleweeks
Retiraminutes
A win-win by design.
Plan design isn't zero-sum. The designs Retira surfaces cut employer spending and grow employee nest eggs at the same time – and show both numbers side by side.
What it models
The details that shape a plan, in one place. Signed-in features are marked.
- Compare plans
- Run up to three alternative designs against your baseline and read the difference on every metric, down to the dollar.
- Plan presets
- Start from Safe Harbor, QACA, match-only, or max-generosity, then tweak from there.
- Contributions
- Tiered match, safe harbor, NEC, profit sharing and new comparability, after-tax, Roth, and catch-up – all modeled at once.
- 401(k) + cash balanceSigned in
- Enter explicit year-one hypothetical benefit-credit formulas by group, review combined-plan directional screens, and keep those credits separate from DC cost and actuarial funding.
- Eligibility, vesting & terminations
- Set the rules and watch vested balances and estimated forfeitures move. SECURE 2.0 long-term part-time employees are handled automatically.
- Compliance screens
- Track ADP, ACP, coverage, cross-testing, and top-heavy signals while you model – each with a plain-English why and how to address it.
- Distributions & demographics
- Deferral, compensation, age, tenure, and gender views you can click straight into.
- Export
- Pull a CSV of any selection, a full PDF summary of the plan, a CFO brief, or your plan settings as reusable JSON.
- Estimate ModeSigned in
- Model a full plan from the rough numbers a prospect can recite – a realistic synthetic census, regenerated deterministically from editable assumptions.
- Import StudioSigned in
- Messy spreadsheets and plan documents in one reviewable flow: column matching, cleanups, multi-file merge, and plan-document extraction you confirm line by line.
- Julio, the assistantSigned in
- Plain-English questions, proactive insights, staged plan changes, and a goal-seek optimizer – behind a privacy filter that keeps identifiers in your browser.
Common questions
A few important details.
The calculator is fast by design, with clear limits on what its outputs mean.
Need something you don't see here?
If your design needs more, book a call and we'll walk through it together.