Employee Resources
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Payroll Calculators
Salary Paycheck Calculator How much are your wages after taxes? This powerful tool does all the gross-to-net calculations to estimate take-home (net) pay in any part of the United States. Hourly Paycheck Calculator Enter up to six different hourly rates to estimate after-tax wages for hourly employees. Gross Pay Calculator Plug in the amount of money you'd like to take home each pay period and this calculator will tell you what your before-tax earnings need to be. W-4 Assistant Not sure how many personal exemptions to include on Form W-4? This tool will help. You can even print out an official copy for use by your payroll department. 401(k) Planner Estimate the future value of retirement savings based on the interest rate, contribution amount, and current balance. Adjust the variables to see how the changes affect your savings goal. 403(b) Planner If you are an employee of a non-profit organization, calculate how much of your income you should defer through your organization's 403(b) plan to prepare for retirement. Employee Stock Option Calculator Estimate the after-tax value of non-qualified stock options — before cashing them in. Locate current stock prices by entering the ticker symbol. |
Retirement Calculators and Worksheets
Payroll Savings Integration Calculator ADP payroll clients benefit from two-way integration of data between your payroll and your retirement plan. A change in one is automatically reflected in the other, without the need for hand processing. This saves time and money. 401(k) Contribution Calculator We all know we should be contributing as much as we possibly can to our 401(k). There's really no excuse not to. No matter how well you do with your other investments, you're unlikely to beat the 401(k)'s advantages of tax-deferred growth and a company match. The bottom line: Max out. Why it Pays to Start Saving Early Interactive chart. The Big Difference Saving a Little Extra Can Make Interactive chart. Asset Allocation Profiler What May Be the Best Asset Allocation for You? How you allocate your investments among the principal asset classes - stocks, bonds, and money market instruments - can play a major role in your investment performance as well as your success in achieving investment goals. An appropriate asset allocation takes into consideration your investment time frame, objectives, risk tolerance, and personal financial considerations. Choosing Your Annual Withdrawal Rate One of the most critical decisions faced by retirees when mapping out a retirement income plan is how much to withdraw from savings each year in retirement. Too high a rate and you risk outliving your savings. Too low a rate and you may not have enough to make ends meet. Borrowing from Your 401(k) Many 401(k) plans allow you to borrow from your account balance, letting you repay the loan through automatic, after-tax payroll deductions. Borrowing from your 401(k) plan has certain advantages, but it also poses drawbacks--loan balances must be paid off in five years and if you leave your job, you may be required to pay back the full balance within a short-time frame or pay penalties and taxes. Most important, borrowing from your 401(k) can significantly reduce your retirement savings nest egg. |
Reports
