Interactive demo
401(k) plan design calculator
Model a 401(k) plan with 100 sample employees, compare Plan A with Plan B, and see estimated changes to employer cost, employee participation, contributions, vesting, forfeitures, and simplified compliance indicators. No account is required.
What you can model
- Tiered matching, safe harbor contributions, nonelective contributions, and profit sharing
- Eligibility, vesting schedules, employee terminations, and estimated forfeitures
- Pre-tax, Roth, catch-up, and after-tax contribution settings
- Plan A versus Plan B results at the plan and employee level
- Simplified HCE/NHCE deferral and estimated top-heavy indicators
Browser-local census calculations
The demo lets you modify up to 3 employees or load 3 of your own. Employee census data stays in your browser and is never uploaded to retira.app.