INTERACTIVE PLANNING TOOLS

Make the operational picture more concrete.

Explore workflow capacity, model illustrative SECURE 2.0 small-employer credits, and run a sample employee census through a browser-based validation demo. Change assumptions and see results immediately.

Explore SECURE 2.0 ↓Run a census demo

These tools provide illustrative estimates only. They do not determine plan eligibility, legal compliance, tax treatment, investment outcomes, or required corrective action.

ALL TOOLS

Open any tool on its own page

Operations ROI estimatorFree calculator for TPAs: estimate the staff hours and labor capacity released when repetitive 401(k) processing takes less time per batch.Employer match estimatorModel a two-tier 401(k) employer match, such as 100% of the first 3% plus 50% of the next 2%, and see the match in dollars and as a percent of pay.Contribution reconciliation checkCompare a payroll source total with the posted contribution total, see the variance in dollars and percent, and flag it against your review threshold.SECURE 2.0 small employer tax credit calculatorEstimate the SECURE 2.0 startup-cost credit, employer-contribution credit and auto-enrollment credit for a small employer starting a 401(k) plan.Eligibility & entry-date checkerEstimate when an employee meets a 401(k) plan's age and service requirements and the next plan entry date under monthly, quarterly, semiannual or annual entry.Section 415(c) annual additions limit checkerCheck a participant's 401(k) annual additions against the Section 415(c) limit: the lesser of the dollar limit or 100% of compensation. Default 2026 limit $72,000.ADP/ACP test estimatorFree online ADP and ACP test calculator: compare HCE and NHCE average deferral and contribution percentages against the basic nondiscrimination limits.Census validation toolUpload a synthetic or de-identified 401(k) census CSV and get an instant exception report. Processing stays in your browser; nothing is sent to a server.

Model your whole practice. The live capacity simulator on the home page turns plan count, manual hours per plan and your own time-saving estimate into hours, labor value, staff capacity and peak-season relief.

01 · WORKFLOW CAPACITY

Operations ROI estimator

Estimate the annual staff time and labor capacity that could be released if repetitive processing takes less time. Enter your own assumptions; no savings are guaranteed.

Open the full Operations ROI estimator page →

Processing batches per monthCurrent minutes per batchEstimated minutes per batch after improvementLoaded staff cost per hour (USD)

Illustrative annual capacity released252 hours

Estimated annual labor capacity value$9,576

Time reduction per batch38.9%

Based on the entered volume and time assumptions.

02 · ILLUSTRATIVE PLAN DESIGN

Employer match estimator

Model a simple two-tier match formula. This is a formula illustration, not a determination of your plan's actual matching contribution.

Open the full Employer match estimator page →

Annual eligible compensation (USD)Employee deferral rate (%)

Tier 1 deferral (%)Match rate on tier 1 (%)

Additional tier 2 (%)Match rate on tier 2 (%)

Illustrative annual employer match$3,000

Employee deferrals entered$4,500

Combined employee + employer amount$7,500

Match as % of compensation4.0%

Illustration assumes compensation is eligible and the entered formula applies.

03 · CONTROL & RECONCILIATION

Contribution reconciliation check

Compare a source-file total with a posted total. Use the result as a simple triage signal; a non-zero variance requires investigation, not an automatic conclusion.

Open the full Contribution reconciliation check page →

Source contribution total (USD)Posted contribution total (USD)Illustrative review threshold (USD)

Source minus posted$150.00

Variance as % of source total0.12%

Entered review threshold$0.00

Review variance

A variance can have multiple causes; confirm units, timing, file scope, and transaction status.

04 · SECURE 2.0 CREDIT WORKFLOW

SECURE 2.0 credit automation demo

Explore a preliminary estimate for the Section 45E startup-cost credit, employer-contribution credit, and Section 45T auto-enrollment credit. Enter the number of employees and contributions that you have already determined may qualify.

Open the full SECURE 2.0 small employer tax credit calculator page →

Employees in preceding tax year (at least $5,000 compensation) Eligible non-highly compensated employees for startup-credit limit Qualified startup costs for this tax year (USD)

Startup credit year (1–3)Employer-contribution credit year (1–5)

Participants with potentially qualifying employer contributions Average qualifying employer contribution per participant (USD) Potentially eligible auto-enrollment feature applies in one of its first 3 credit years (Section 45T)

Illustrative combined credit estimate$0

Startup-cost credit (45E)$0

Employer-contribution credit (45E)$0

Auto-enrollment credit (45T)$0

Illustrative only. Confirm all statutory eligibility, wage, aggregation, tax-year, deduction and tax-liability rules with a qualified tax professional.

How this estimate works: startup-cost credit uses a 100% cost rate for employers with 1–50 employees and 50% for 51–100, subject to the statutory employee-based cap; the employer-contribution estimate applies the 5-year percentage and $1,000-per-participant cap, with the statutory phase-down for employers over 50. This demo does not determine eligibility, index wage thresholds, aggregate controlled groups, or prepare Form 8881.

06 · ELIGIBILITY WORKFLOW

Eligibility & entry-date checker

Estimate a potential eligibility date and next plan entry date from configurable age, service, and entry-frequency assumptions.

Open the full Eligibility & entry-date checker page →

Date of birthDate of hireEvaluate as of date

Minimum ageService requirement (months)

Entry schedule

Age is measured from the date of birth; service is approximated as calendar months from hire. Actual plan language, hours-of-service/elapsed-time rules, break-in-service rules, and statutory eligibility restrictions are not modeled.

Estimated statusEnter dates

Estimated age requirement date—

Estimated service requirement date—

Estimated eligibility date—

Next entry date—

Preliminary workflow estimate only.

07 · ANNUAL ADDITIONS

Section 415(c) annual additions checker

Check entered annual additions against a selected plan-year dollar limit and compensation. The default 2026 dollar limit is editable.

Open the full Section 415(c) annual additions limit checker page →

Plan year

Section 415(c) dollar limit (USD)Participant annual compensation (USD)

Employee elective deferrals counted as annual additions (USD)Employer matching contributions (USD)Employer nonelective contributions (USD)Forfeitures/other annual additions (USD)

Confirm the applicable IRS limit for the selected year and how plan-specific items are counted. This is a preliminary screen, not a correction calculation or legal determination.

Maximum modeled annual additions$72,000

Entered annual additions$30,000

Available modeled headroom$42,000

Within entered limit

Dollar limit and compensation cap applied.

08 · NONDISCRIMINATION

ADP/ACP preliminary test estimator

Enter the average HCE and NHCE percentages from your preliminary data set to screen the ADP and ACP tests.

Open the full ADP/ACP test estimator page →

ADP — NHCE average (%)ADP — HCE average (%)

ACP — NHCE average (%)ACP — HCE average (%)

Uses the basic test: the HCE average may not exceed the greater of 1.25× the NHCE average, or the lesser of 2× the NHCE average and the NHCE average plus 2 percentage points. It does not determine which alternative applies, perform participant-level calculations, apply permitted testing methods, or model all statutory exceptions.

Preliminary screening resultReview required

ADP modeled HCE limit—

ACP modeled HCE limit—

ADP comparison—

ACP comparison—

Preliminary averages-only screen. Validate with participant-level data and current testing rules.

05 · CENSUS ENGINE DEMO

Run a census through the engine

Upload a synthetic or de-identified CSV to demonstrate intake, validation, basic rule screening, and exception reporting. Processing stays in this browser tab; files are not sent to a server.

Open the full Census validation tool page →

Choose employee census CSV

Illustrative age thresholdIllustrative annual hours threshold

Supported headers include employee_id, compensation, age, hours, deferral_pct, employer_contribution, hire_date. Do not upload Social Security numbers, names, addresses, account numbers, or other sensitive personal data. Use “Clear census data” when you finish to remove the displayed results and in-memory demo data.

Rows read0

Pass simple screen0

Needs review0

Compensation total$0

Employee ID	Compensation	Age	Hours	Illustrative screen	Validation notes

“Pass simple screen” means required fields are present and the entered age/hours thresholds are met. It is not a plan eligibility determination or nondiscrimination test. Actual eligibility depends on plan terms, service periods, long-term part-time rules, entry dates, exclusions and other facts.

Demo boundary: This is a front-end proof of concept, not KinetiPlan's production calculation engine. It does not perform ADP/ACP, top-heavy, coverage, gateway, allocation, or other compliance testing.

Important: These calculators are educational planning aids, not legal, tax, investment, actuarial, ERISA, or compliance advice. Actual 401(k) results depend on plan documents, eligibility, compensation definitions, contribution limits, testing methods, payroll timing, and other facts. Validate calculations with qualified professionals before relying on them.

Want to test a real workflow?

We can discuss the source data, exception rules, reconciliation evidence, and acceptance criteria a focused TPA pilot would need to prove.

Plan a pilot →

TURN ESTIMATES INTO A PLAN

Want to talk through your results?

Share the numbers you modeled and the workflow behind them. We will show how the pilot build handles that work and what a focused pilot could measure.

Discuss my results →