PlanForge Business Owner Tax Savings Calculator V2

401(k) savings calculator for business owners

See what a 401(k) could save your business

This calculator is built for small business owners. Enter a few details and watch your tax savings, tax credits, and net plan cost update as you go.

If you have 10 to 75 W-2 employees and no plan yet, SECURE 2.0 tax credits can cover the cost of a new 401(k). A cross-tested design can also put a lot more into your own retirement account.

Fill in your numbers below. For a custom illustration built on your actual W-2s, fill out the ownership questionnaire or book a call with Nick.

PlanForge Consulting

Business owner tax savings calculator

See what a PlanForge 401(k) could save you

Number of employees20

1075

Average employee salary$50,000

$40K$100K+

Owner W-2 salary$100,000

$50K$350K+

Owner age

Cross-testing (puts more toward you in Optimized)

Team averages 10+ years younger than you

Yearly employee turnover25%

0%50%

(assumes a 30% tax rate)

Forfeitures help too.

When people leave before they’re vested, their employer money goes back to your plan.

NET-ZERO COST

SECURE 2.0 tax credits can cover your plan’s startup costs for three years and help with employer contributions for five. Most of our clients reduce 401(k) expenses by 90% or more, and many end up at net-zero or even net-positive. You’re redirecting money that was already headed to the IRS.

MONEY BACK IN YOUR POCKET

With cross-tested profit sharing, you can contribute significantly more to your own retirement than your employees receive, all within IRS guidelines. Every dollar you contribute is tax-deductible. You decide how much to put in each year, and you can fund contributions after December 31st, up to your tax filing deadline. There’s no required match and no multi-year commitment, so you stay in control.

WHAT HAPPENS NEXT

If these numbers look like your business, we’ll build you a free illustration from your actual W-2s or the ownership questionnaire. You’ll see exactly what your plan costs and saves, side by side, and it takes one conversation. There’s no obligation.

YOUR TEAM WINS TOO

Your team gets a real retirement plan, with self-directed investments that include individual stocks. A vesting schedule protects what you put in: money from people who leave early goes back to the plan. And you build loyalty with the people who stay.

Want a custom illustration?

See these numbers with your real W-2s or the ownership questionnaire.

Get your free custom illustration

Full Name

Company Name

Phone (optional)

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We’ll be in touch within one business day with your illustration. Want a head start?

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If these numbers caught your eye, we’d love to walk you through what they’d look like for your business.

Talk it through with Nick

More than one owner? This estimate assumes one owner. With more than one, the best design can change. Fill out the ownership questionnaire and we’ll build an illustration for every owner.

These are estimates, not financial, tax, or legal advice. Your real results depend on your business, your team, and the plan design, and we build your exact numbers from real W-2s or the questionnaire.