optimize_401k_match

ai.senaro/personal-finance · Verify this server

Calculation, not advice. Verify with a professional before acting. Deterministic 401(k) employer-match optimizer. Given your annual salary, pay frequency, current contribution percent, and your employer's match formula (as a named preset or a custom tier list), computes: the annual match you are capturing today; the maximum you could capture (full match entitlement); the match forfeited at your current rate; the minimum contribution percent to capture the full match; whether front-loading contributions would forfeit match at a no-true-up plan; and a per-period schedule showing level vs. front-load paths side by side. IRS limits (402(g) elective deferral, 401(a)(17) compensation cap, 415(c) annual additions) are applied and cited in provenance. Catch-up contribution ceilings for ages 50+ and 60-63 (SECURE 2.0) are computed when participant_age is provided; when a catch-up allowance applies, applied_caps[].cap_name reads '402(g) elective deferral plus 414(v) catch-up' and limit_value carries the combined ceiling, not the bare 402(g) amount. HEAVY tool: use output='summary' (default) for the headline scalars or output='inline' for the full per-period schedule. output='capture' writes the full payload to a file on this server's local disk for the chart-render pipeline; available on the local stdio transport only, and rejected with a structured error on the hosted HTTP transport.