Employee Take-Home Pay Calculator
Discover how pre-tax benefit deductions actually increase your net pay compared to after-tax spending.
Personal Profile
Estimate your individual tax savings on pre-tax benefits.
$65,000
$350
Your monthly cost for health, dental, vision, etc.
30%
Combined Federal, State, and FICA taxes.
Annual Benefit Cost Comparison
After-Tax Cost
$4,200
→
Pre-Tax Cost
$2,940
Your Savings Impact
Extra Monthly Take-Home
$105
Added to your paycheck every month.
Annual Tax Savings
$1,260
Money kept in your pocket, not sent to the IRS.
Effective Annual Benefit Cost
$2,940
Instead of $4,200
Unlock Your Results
Enter your details to see your personal tax savings breakdown.
Frequently Asked Questions
Everything you need to know about our benefit plans and tax savings.
What is a Section 125 Cafeteria Plan?
A Section 125 plan allows employees to pay for certain qualified expenses (like health insurance premiums) on a pre-tax basis, reducing their overall taxable income and increasing their take-home pay.
How does the employer save money?
Employers save by reducing their payroll taxes. Since employees' taxable income is lowered, the employer's matching FICA (Social Security and Medicare) tax contributions are also reduced.
How much do your services cost?
There are no setup costs or ongoing fees for my services. As a broker, I find the best plan that fits your needs and I am paid directly by the carriers.
Is this compliant with IRS regulations?
Yes, absolutely. Our plans are fully compliant with IRS Section 125 rules and regulations. We handle the necessary documentation, plan documents, and compliance testing.
How long does it take to implement?
Implementation typically takes 2-4 weeks, depending on the size of your organization and your current payroll setup. Our team guides you through every step of the process to ensure a smooth rollout.