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Use calculators designed to help you plan for retirement and understand your financial situation.

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401(k) calculators for employees and plan admins

Our set of 401(k) and retirement-related calculators are designed to support both employers and employees in their savings journey.

Employers can use the 401(k) Employer Match Calculator to estimate the impact of matching contributions on recruitment, retention, and tax advantages.

The Safe Harbor 401(k) Calculator helps businesses avoid costly IRS nondiscrimination testing by evaluating the benefits of safe harbor plans.

For a detailed analysis of plan costs, the 401(k) Plan Cost Calculator provides insights into the cost of starting a 401(k) plan with the help of SECURE Act 2.0 tax credits.

Employees can project their retirement income with the Retirement Savings Calculator, offering a clear picture of future financial security. These tools are crafted to equip both employers and employees with the information needed to achieve their retirement saving goals.

Disclosures

Investment Advisory services are provided through Human Interest Advisors LLC (HIA) to plans that select HIA as the investment adviser. HIA is a Registered Investment Adviser and subsidiary of Human Interest Inc. For such plans, a monthly investment advisory fee is paid to Human Interest Advisors (HIA) of 0.01% of plan assets when HIA acts as a 3(38) fiduciary, or 0.018% when acting as a 3(21) fiduciary. A separate fee for recordkeeping services and custody-related expenses is paid to Human Interest Inc. (HII) of 0.05% of plan assets. Asset-based fees are deducted monthly from the employee's account according to the HII Terms of Service and HIA Terms of Service. All prices are exclusive of applicable taxes. If the plan sponsor elects to hire an external investment advisor, the plan sponsor will pay such advisor as agreed between the plan sponsor and advisor. For more information, please see our pricing page.

As of 12/31/2025, figure represents the weighted average of monthly fund net expenses (“expense ratio”) for participants in new 401(k) plans launched after 8/4/25 and invested in Human Interest Advisors’ Model Portfolios (“Models”). The weighted average monthly expense ratio for participants invested in Models within 403(b) plans ranges from 0.005-0.006%. Provided for illustrative purposes only. Actual, average fund expenses a participant experiences vary based on the specific Model selected, allocation changes to Models, whether participants opt out of Models and choose their own investments and allocations, or allocation drift, especially in volatile markets. Model allocations and underlying fund expenses are subject to change. Before investing, carefully review the fund’s prospectus, factsheet, and/or participant fee disclosure, which includes, among other things, a description of fees and expenses a fund will charge.