Defined Benefit Calculator
Easily estimate contribution and tax savings
Maximum annual DB contribution, tax savings, and total benefit at retirement
Owner only SEP, SIMPLE and 401(k) contribution comparison
Retirement Plan Savings for a Client Age 52
Earning $360,000 **
**2026 plan maximum contribution limits for a 52 year-old, including “catch-up” contributions of $4,000 for SIMPLE IRA, $8,000 for 401(k). This information is intended to be educational and is not tailored to the investment needs of any specific investor. Consult an attorney, tax professional, or other advisor regarding your specific situation.
If the plan beneficiary is between age 60-63, as of 2026, they may be eligible to contribute an additional $5,250 to their 401(k) as part of the SECURE 2.0 super catchup provision.
OnePersonPlus Defined Benefit Plan Allows the Largest Contribution
High income earners 50 or older may be eligible to contribute to a OnePersonPlus 2 to 3 times the amount they might otherwise contribute to a SEP or 401(k).
Defined Benefit Calculator
Easily estimate contribution and tax savings
Maximum annual DB contribution, tax savings, and total benefit at retirement
Owner only SEP, SIMPLE and 401(k) contribution comparison
Retirement Plan Savings for a Client Age 52
Earning $350,000 **
**2025 plan maximum contribution limits for a 52 year-old, including “catch-up” contributions of $3,500 for SIMPLE IRA, $7,500 for 401(k). This information is intended to be educational and is not tailored to the investment needs of any specific investor. Consult an attorney, tax professional, or other advisor regarding your specific situation.
If the plan beneficiary is between age 60-63, as of 2025, they may be eligible to contribute an additional $4,000 to their 401(k) as part of the SECURE 2.0 super catchup provision.
OnePersonPlus Defined Benefit Plan Allows the Largest Contribution
High income earners 50 or older may be eligible to contribute to a OnePersonPlus 2 to 3 times the amount they might otherwise contribute to a SEP or 401(k).
Defined Benefit Plan Calculator
Our Defined Benefit plan calculator gives a free estimate of your tax savings and overall plan accumulation. In less than 2 minutes, you’ll have a custom proposal and can see how much you could save on taxes and add to your retirement savings. See if you’re eligible for a Defined Benefit Plan.
The Defined Benefit plan calculator lets you compare SIMPLE, SEP-IRA, 401(k) and are ideal for high earning independent contractors, small business owners, entrepreneurs, consultants, doctors, screenwriters and other high-income self-employed professionals.
These qualified retirement plans are IRS-approved and provide for the largest annual contributions to retirement plans, often exceeding $150,000 annually.
Cash Balance Plan Calculator
If you’re a small business owner with 2 to 10 employees who wants to accelerate retirement savings and have maxed out your 401(K) accounts, a Cash Balance plan is another option to build wealth and minimize taxes. The Cash Balance plan has become more popular with the self-employed and small business owners who are looking to pay less taxes.
A Cash Balance plan is a type of Defined Benefit plan. An employer makes contributions over time to help fund a “personal pension plan” and can deduct their contributions, allowing for large tax deferrals. Tax deferral means that you are deferring paying taxes on the amount contributed to the Cash Balance plan.
This retirement plan also works well for older small business owners with large incomes who have delayed their retirement and need to turbocharge retirement savings.
Who is the right client?
- Over 35+
- Makes $120,000
- Is self-employed or runs a family business
- Wants to save a lot on taxes