PlanForge Business Owner Tax Savings Calculator V2

401(k) Savings Calculator for Business Owners

See Exactly How Much Your Business Can Save

This free 401(k) savings calculator is designed specifically for small business owners. Enter a few details about your company and get a real-time estimate of your tax savings, employer tax credits, and net plan cost.

Most businesses with 15 to 75 W-2 employees qualify for SECURE Act 2.0 tax credits that can cover the full cost of a new 401(k) plan. A cross-tested plan design can also let the business owner contribute significantly more to their own retirement account, often at a fraction of what large-company owners pay.

Fill in your numbers below. If you want a full custom illustration built on your actual W-2 data, complete the ownership questionnaire or schedule a free consultation.

PlanForge Consulting

Business Owner Tax Savings Calculator

See how much a PlanForge 401(k) can save you

Number of Employees20

1075

Average Employee Salary$50,000

$40K$100K+

Owner W-2 Salary$100,000

$50K$350K+

Owner Age Range

Cross-Testing (Maximize Owner Contributions)

Average Employee Younger Than Owner by 10+ Years

Average Annual Employee Turnover25%

0%50%

(Assumes 30% Tax Rate)

But there’s more to the picture.

Employee turnover means forfeited contributions flow back to your plan.

NET-ZERO COST

The SECURE Act 2.0 provides tax credits that cover your plan's startup and administration costs for the first 3 to 5 years. Most of our clients reduce 401(k) expenses by 90% or more. Many end up at net-zero or even net-positive. You are not adding a cost. You are redirecting money that was already going 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. No mandatory match. No locked-in commitment. Full control.

WHAT HAPPENS NEXT

If the numbers you entered reflect your business, we will build you a free custom illustration using your actual W-2 Data or ownership questionnaire. No obligation. You will see exactly what your plan costs (and saves) in a side-by-side comparison. Takes one conversation.

YOUR TEAM BENEFITS TOO

Employees get access to a real retirement plan with self-directed investment options, including individual stocks. A vesting schedule protects your investment. Employees who leave early forfeit employer contributions back into the plan. You build loyalty with the people who stay.

Want a custom illustration?

See exactly what these numbers look like with your real W-2 data or ownership questionnaire.

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Full Name

Company Name

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We will be in touch within one business day. We look forward to showing you how business owners like you are saving thousands with a PlanForge 401(k). Ready to dive deeper?

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This calculator provides preliminary estimates for illustrative purposes only and does not constitute financial, tax, or legal advice. Actual results will vary based on your specific business structure, employee demographics, and plan design. A completed questionnaire or real W-2 data is required for an accurate custom illustration. Please consult with a qualified financial professional before making any plan decisions.