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    Explore All of PDX Benefits

    Explore our suite of interactive tools designed to help you calculate savings, compare premiums, and optimize your benefits strategy.

    Health Care Tax Credit Estimator

    Determine your eligibility for the IRS small business health care tax credit and calculate your potential savings. This calculator requires your total Full-Time Equivalent (FTE) employee count, average annual wages, and total employer premium contributions. It outputs your estimated tax credit percentage and total dollar savings. Designed specifically for small businesses with fewer than 25 FTEs looking to offset the cost of providing group health insurance.

    Company-Wide Savings

    Analyze the total annual financial impact of implementing a Section 125 Premium Only Plan (POP) for your organization. Input your total number of participating employees, average monthly employee premium contribution, and your estimated employer FICA tax rate. The tool calculates your direct employer payroll tax savings and total organizational tax reduction. Ideal for CFOs and business owners evaluating pre-tax benefit strategies.

    Employee Take-Home

    Demonstrate exactly how pre-tax benefit deductions increase net pay compared to after-tax spending. Employees input their gross pay, tax filing status, and expected benefit deductions (like health, dental, or FSA contributions). The calculator outputs a side-by-side comparison of their take-home pay with and without Section 125 advantages. Perfect for HR teams during open enrollment to show the hidden value of benefits.

    Benefit Breakdown

    Generate an itemized analysis of your 2026 benefit expenditures and their corresponding tax advantages. Input your costs across medical, dental, vision, life, and disability coverage. The tool outputs a comprehensive breakdown of your total investment, tax-deductible portions, and true net cost after tax savings. Built for finance teams and business owners needing a clear picture of their total rewards investment.

    Paid Leave Oregon

    Navigate state requirements with our comprehensive Paid Leave Oregon calculator. Input an employee's average weekly wage to see exactly how the state's sliding-scale formula applies. The tool outputs the expected weekly benefit amount, highlighting the 100% wage replacement threshold for lower-income earners versus the capped percentage for higher earners. Essential for HR managers and employees planning for family or medical leave.

    AI Benefits Assistant

    Interact with our 24/7 AI assistant to get instant, accurate information about plan types, tax advantages, and compliance requirements. Ask questions in natural language about anything from FSA limits to PEO comparisons. The AI provides tailored answers, links to relevant calculators, and helps route complex queries to our advisory team. Designed for both employers and employees needing quick benefits guidance.

    FAQ

    Frequently Asked Questions

    Answers to common questions about using our interactive tools.

    How accurate are these calculators?

    Our calculators are designed to provide highly accurate estimates based on current IRS guidelines, ACA regulations, and standard payroll tax rates (like the 7.65% FICA rate). However, they are for educational and planning purposes only. Final tax liabilities and savings depend on your specific corporate structure, state-specific taxes, and individual employee tax brackets. Always consult with a CPA or licensed tax professional before making final financial decisions.

    What inputs do I need to use the tools?

    Most of our tools require basic organizational data: your total number of employees (or FTEs), average monthly premium costs, and estimated employee participation rates. For the Tax Credit Estimator, you'll also need your average annual wages. The Employee Take-Home calculator requires an employee's gross pay and tax filing status. You don't need exact down-to-the-penny figures to get a valuable estimate.

    Is my data saved or shared?

    The inputs you enter into the calculators are processed locally in your browser to generate the estimates. We do not store your financial inputs or share them with third parties. If you choose to unlock the tools by providing your contact information, that contact info is securely stored so our advisory team can reach out to offer personalized assistance.