Estimate Your Savings

Small Business 401(k) Tax Credits

SECURE 2.0 significantly enhanced the tax credits available to eligible small businesses that start a new plan, add an auto-enroll feature, or contributions made by employers. Use our free calculator to estimate your credits.

How many employees do you have?

Include business owner(s)
Tax credits are limited to 100 or less employees

How many of the employees are HCEs?

You cannot have more HCEs than employees

Will you fund an employer contribution?

Will your plan offer automatic enrollment?

Employees who will make over $100,000

Include business owner(s) and HCEs
Must be less than the number of total employees.

Estimated Annual Contribution

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Year 1
Year 2
Year 3
Year 4
Year 5
401(k) Plan Cost
$2,000
$1,500
$1,500
$1,500
$1,500
Employee Fiduciary Fee
$1,500
$1,500
$1,500
$1,500
$1,500
One-Time Startup Fee
$500
$0
$0
$0
$0
Employer Contribution
$0
$0
$0
$0
$0
Tax Credits
$3,750
$3,750
$3,750
$0
$0
Startup Credit
$3,750
$3,750
$3,750
$0
$0
Auto Enrollment Credit
$500
$500
$500
$0
$0
Employer Contribution Credit
$0
$0
$0
$0
$0
Cost After Credits
$0
$0
$0
$1,500
$1,500
401(k) Plan Cost
$0
$0
$0
$0
$0
Tax Credits
$500
$500
$500
$0
$0
Total Estimated Savings:
$5,000
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