More confident participation
Employees see what deferring is worth in their own situation: tax saved now, tax paid at payout, state moves, payout schedules and employer credit risk, side by side with taking the cash.
For plan sponsors, benefits teams and HR
Better deferral elections, without giving advice.
Every enrollment window, eligible employees ask the same question: should I defer, and how much? License NQDC Calculator for your participants so each one can model their own election privately, with your plan's terms built in, before the window closes.
Annual license for your eligible population. Education only; participants make their own decisions.
Why sponsors license it
A complex, once-a-year decision your participants make alone
NQDC elections are irrevocable for the year, unsecured and taxed on a schedule most employees never model. A clear tool helps them engage, and helps you.
Fewer one-off questions
A guided, step-by-step setup explains each input and where to find it, so your benefits team spends less time walking individuals through spreadsheets during enrollment.
Education, not advice
The tool models scenarios from each employee's own inputs and never recommends an election. Clear disclaimers are built in throughout, which helps keep your communications on the education side of the line.
Private by design
Calculator inputs stay in each employee's browser unless they choose to save a scenario to their own account. Sponsors never receive individual inputs, results or elections.
Rigorous tax modeling
An annual federal and state tax calculation for both paths, every year: brackets, capital gains, the 3.8% NIIT, Social Security taxation, state sourcing at payout and the 4 U.S.C. §114 ten-year rule.
Ready every enrollment window
Tax tables are updated each year, so the link you share this enrollment season is current again next year.
What a license includes
Pro for every eligible employee, set up for your plan
- Full Pro access for your eligible population for the license year: the optimizer, sensitivity analysis, year-by-year detail, printable reports and saved scenarios
- Your plan's terms set as starting values, configured with you: deferral limits, payout schedules, employer credits and vesting, and your 401(k) contribution formula
- Simple access for employees, arranged with your team
- Annual federal and state tax-table updates
- Enrollment communication support: a short description and link you can drop into your materials
- No individual data shared with the sponsor, ever
- Dedicated contact for your benefits team
- Annual license priced by the size of your eligible population
How it works
Live before your next enrollment window
Tell us about your plan
Share your plan's deferral limits, payout options and any employer credits, and roughly how many employees are eligible.
We set it up
We configure your plan's terms as starting values and arrange access for your eligible employees.
Share it at enrollment
Include the link in your enrollment communications. Employees model their own elections privately.
Renew each year
Tax tables and your plan terms are refreshed for the next plan year.
FAQ
Questions from benefits teams
Does this give employees investment or tax advice?
No. NQDC Calculator is an educational tool. It produces hypothetical estimates from each employee's own inputs and assumptions, never recommends an election, and directs users to their plan document and a qualified professional. It does not create an advisory or fiduciary relationship with employees or with the sponsor.
Will we see our employees' inputs or results?
No. Inputs stay in each employee's browser unless they save a scenario to their own account. We don't share individual inputs, results or elections with sponsors.
Can it reflect our plan's specific rules?
Yes, as starting values that employees can see and adjust: deferral limits, the payout schedules your plan offers, employer credits and vesting, and how your 401(k) formula treats deferred pay. Your plan document always governs.
Does it replace our recordkeeper's enrollment tools?
No. Elections are still made through your plan's normal process. NQDC Calculator helps employees decide what to elect before they get there.
How is it priced?
An annual license based on the number of eligible employees. Tell us about your plan below and we'll send a quote.
Get in touch
License NQDC Calculator for your employees
Tell us a little about your plan and we'll reply with a quote and next steps, usually within one business day.
Prefer email? Write to
plansponsor@nqdccalculator.com