ACDC Account Computation


Introduction	Net-Pay Calculator/Paycheck Comparison	Future Value of Account	DCP Website	Log in to Your Account

Introduction

The New York City Deferred Compensation Plan's Account Computation application (AC) is comprised of two retirement planning calculators that have been designed to help you understand how contributing to the Plan will affect your take-home pay as well as provide a projection of the future value of your account. By using these online tools, you will have access to details about tax advantages, account growth (based on an estimated annual rate of return), and other paycheck information that can help you make informed account decisions.

Net-Pay Calculator/Paycheck Comparison
Whether you are a NYC employee who is thinking about enrolling in the Deferred Compensation Plan or an existing participant who is considering changing your contribution percentage, the Plan's Net-Pay Calculator/Paycheck Comparison can help you select a contribution percentage that's just right for you. This online calculator provides a comparison of your current net-pay with the amount that you would take home based on the contribution percentage that you are considering - so you will be able to see how starting or modifying your contribution percentage would affect your take-home pay BEFORE actually making any changes. Just grab a copy of your current paystub, in order to enter paycheck deduction information into the calculator, and you're ready to get started!

Net-Pay Calculator/Paycheck Comparison

Future Value Calculator
The Future Value component of the Account Computation application can assist you with projecting how your NYC 457 and/or 401(k) accounts may look in the future.

Future Value Calculator

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For questions about how to use the Account Computation calculators, please call our client service department at (212) 306-7760.

DCP Basics
Why Join the Plan?
How to Enroll
NYC Deferred Compensation Plan videos
NYC DCP Financial Wellness Center

The Net-Pay Calculator/Paycheck Comparison shows you how NYC Deferred Compensation Plan contributions will affect your take-home pay.


457 and 401(k) and 403(b) Plan*		Current		Desired
Pretax 457		%		%
Pretax 401(k)		%		%
Roth 457		%		%
Roth 401(k)		%		%
403(b)	$		$
* If you contribute at least 7.5% of your annual salary to either the 401(k) or 457 Plan, and you are not a member of a Pension System, you will not have a deduction for Social Security (FICA) tax.

Paycheck Comparison
		Current	Projected

Gross Income
Pension
Commuter Benefit
Health Insurance Premium
HCFSA
DeCAP
DCP Deferral	Pretax 457
	Pretax 401(k)
	403(b)

Adjust Gross Income
Estimated Income Tax



FICA and Medicare Deduction


Other Deductions
DCP Deferral:	Roth 457
	Roth 401(k)

Net Pay


Comparison Table	Current	Projected	Difference

Pretax 457


Pretax 401(k)


Roth 457


Roth 401(k)


Your Net Pay

Please Note:
The NYC Deferred Compensation Plan's retirement planning calculators are intended to generate estimates and projections and are provided for illustrative purposes only. These educational tools should not be relied upon to calculate exact taxes, payroll or other financial data. Take home pay estimates provided by the Net-Pay calculator are based on user input and utilizes the STANDARD Payroll Withholding Rate Schedules.

Ready to change your contribution percentage? Sign in to your NYC DCP account

Learn more about how to Enroll in the Plan
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How Will My 457 and/or 401(k) Deferred Compensation Account Look in the Future?
Gross Salary	$			Pay Frequency
	Annually Per Pay Period			Weekly Biweekly Semi-Monthly Annually

Pension Deduction*		$		*414, 414STD etc...

Commuter Benefit*		$		* Transit Spending Account. The monthly maximum amount is $

Your Current 457 and 401(k) Deferred Compensation Account Balance				Date of Birth
				Month	Day	Year (YYYY)
			$

Expected Retirement Age (from City service)

457 and 401(k) and 403(b) Plan*		Current
Pretax 457		%
Pretax 401(k)		%
Roth 457		%
Roth 401(k)		%
403(b)	$
* If you contribute at least 7.5% of your annual salary to either the 401(k) or 457 Plan, and you are not a member of a Pension System, you will not have a deduction for Social Security (FICA) tax.

How Will My 457and/or 401(k) Deferred Compensation Account Look In the Future?
Deferral Amount for
		457
		401(k)
		Roth 457
		Roth 401(k)
Retirement Age	Current Age

Year until Separation from City Service
Assumed Annual Rate of Return for the Future*
*The Assumed Rated of Returns for the Future are based on historical returns, volatility and correlations, but not exclusively. They are forward-looking, therefore, they will not match historrical returns.

Contribution over next year(s)
year(s) of growth at rate
Value of contribution after year(s)

Existing savings
year(s) of growth at
Value of existing saving after 22 year(s)

Summary			Total Account Value
Please Note:
The information on this sheet assumes that your contributions and estimated rate of return remains constant. Also, this illustration does not include administrative fees. Since this illustration is only an estimate of the future value of your account, you should contact your financial advisor before making any investment decision. This worksheet is not intended nor shall it in any way be construed as a guarantee of a rate of return, account value or tax treatment. Any changes made to your deferral percentage on this software program are for illustrative purposes only and will not affect your account.

Paycheck Deduction Information
Gross Salary	$		Pay Frequency
	Annually Per Pay Period		Weekly Biweekly Semi-Monthly Annually

Tax Status*	Marital Status	Number of Exemptions Claimed
*Currently Using Year 2024 Tax Tables	Single Married	Federal	State	City

Pre-Tax Deductions
Are you a member in Pension System?	No Yes	Pension Deduction*	$	*414, 414STD etc.
Commuter Benefit*	$	* Transit Spending Account. The monthly maximum amount is $
Health Insurance Premium	$
DeCAP*	$	* Dependent Care Assistance Program.
HCFSA*	$	* Health Care Flexible Spending Account.

Total Post-Tax Deductions*		$
*Includes MCU, Union Dues, Saving Bonds, LTC, Pension/DCP Loan, Child Support etc. Do not include Federal, Social Security, Medicare, State or City taxes.

Are you age 50 or older?	No Yes