Cash Balance Contribution Calculator · Stapleton Asset Management

The owner

Contribution capacity is age-weighted, so date of birth is the single most important input.

Date of birth

Age is derived, not entered.

Plan compensation (W-2)

S-corp W-2 only. Capped at the §401(a)(17) limit.

Normal retirement age

62 or later avoids the §415 early-age reduction.

Years with the employer

Drives the 100%-of-pay proration.

Years already in a DB plan

0 for a new plan. The dollar limit starts at 1/10.

First plan year

Target lump sum at retirement

Tests whether a desired balance fits under §415. It never changes the maximum.

Interest crediting rate

Percent. Fixed-rate safe harbour ceiling is 6%.

Age basis

Confirm against the plan document; it can shift the answer by a full year of proration.