Tax Credits
SECURE Act 2.0 Tax Credit Calculator
Calculate your tax savings. Start your retirement plan.
Calculator Inputs
1Company Information
Used for eligibility and to phase down the contributions credit from 51–100 employees.
We use this to estimate non-HCEs for the startup-costs cap.
Startup and auto-enroll credits last up to 3 years.
2Auto-Enrollment
3Employer Contributions
Employee salary deferrals don't count. Credit per employee is capped at $1,000 after the schedule %.
See Your Tax Credit Estimate
Enter your information to unlock your personalized SECURE Act 2.0 tax credit calculation.
SECURE Act 2.0 Tax Credit Estimate
Your Tax Credit Results
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Year
?
Credit year (1–5). Employer-contribution credit phases down over years 1–5.
Startup and auto-enroll credits last up to 3 years.
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Startup
?
Startup-costs credit: 100% if ≤50 employees (50% if 51–100),
capped each year at the greater of $500 or the lesser of ($250 × eligible NHCEs) or $5,000.
Shown here as the maximum allowed given headcount; actual credit can't exceed eligible costs.
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Auto
?
Auto-enrollment (EACA) credit: $500 per year for the first 3 years after adding EACA
(applies to a new or existing plan).
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Contribution
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Employer contributions credit: only for employees with wages ≤ $100,000.
Per-employee credit = applicable % × employer contribution, capped at $1,000 after the %
(so includable contribution is capped at $1,000, $1,000, $1,333, $2,000, $4,000 in years 1–5).
Reduce the % by 2 points for each employee over 50 (51–100).
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Total
?
Sum of Startup + Auto + Contribution for that year.
These are estimates and flow into the general business credit (Form 3800) rules.
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These are estimates based on your inputs and averages. Actual credits depend on plan design and eligibility.
Next Steps
Ready to start a 401(k) plan?
Asure’s 401(k) is pre-integrated with payroll, built for owners and employees, and backed by SECURE Act 2.0 tax credits that can offset much of the cost.
These estimates are illustrative and depend on plan design, eligibility, and IRS rules. Review with a qualified advisor.
Get your custom pricing
Answer a few quick questions to see pricing based on your company size, setup, and service needs.
- Pricing tailored to your employee count and setup
- Compare payroll-only, HR, or fully managed options
- Clear breakdown — no hidden fees or add-ons
- Delivered within 1 business day
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