ACDC Account Computation

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)

$

Traditional IRA

$

Roth IRA

$

* 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 457 and/or 401(k) and/or IRA 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) and IRA Deferred Compensation Account Balance

Date of Birth

Month

Day

Year (YYYY)

$

* Starting January 1 , 2026 , if prior calendar year wages subject to Social Security tax (Box 3 on Form W-2) were more than $150,000, Age Based Catch-up contributions (Age 50+ and Ages 60-63) may only be made as Roth contributions. Employees’ Pretax amounts will be capped at Standard Maximum Annual Goal Amount

Expected Retirement Age (from City service)

457 and 401(k) and 403(b) Plan and IRA*		Current
Pretax 457		%
Pretax 401(k)		%
Roth 457		%
Roth 401(k)		%
403(b)	$
Traditional IRA	$
Roth IRA	$
* 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)
	Traditional IRA
	Roth IRA

Net Pay


Comparison Table	Current	Projected	Difference

Pretax 457


Pretax 401(k)


Roth 457


Roth 401(k)


Traditional IRA

Roth IRA

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.

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How Will My 457 and/or 401(k) and/or IRA Deferred Compensation Account Look In the Future?
Deferral Amount for
		457
		401(k)
		Roth 457
		Roth 401(k)
		Traditional IRA
		Roth IRA
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 rate
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.

Account Computation

Introduction