Finance workflow
Open enrollment and bonus season are when contribution decisions stick for a year. This workflow projects balances, checks limits, compares Roth vs traditional tradeoffs, and frames a broader retirement target.
Model 401(k) and Roth growth, confirm limits, compare account types, then project retirement needs.
Workflow
Work through each step in order. Progress is saved in this browser. Utilnivo does not save uploaded files permanently between tools.
Progress: 0 of 5 steps complete (0%)
Project balances from deferrals, match, and assumed growth.
Estimate Roth IRA growth for IRA-eligible contributions.
Stay under annual employee deferral and related caps.
Explore tradeoffs using simplified tax assumptions.
Estimate broader retirement savings needs and timelines.
Track progress
0 of 5 complete (0%). Your progress is saved in this browser.
Printable step list with checkboxes—generated on your device.
Results
What you entered and what each step produced appear here. Values used in the next step are passed when supported. Data stays in this browser only.
Run each step and submit the calculator form. Key results will appear here as a connected summary.
Progress: 0 of 5 steps marked complete (0%).
Tips
FAQ
No. Educational projections only. Confirm elections with your plan provider and a fiduciary if needed.
Often yes. Verify the current IRS and plan limits before locking payroll elections.
Keep going
Estimate income, set a budget, plan debt payoff, fund emergencies, and project retirement.
6 steps
Convert salary or hourly pay to take-home estimates, then build a simple budget.
4 steps