Advisor‑Led NQDC Planner
Decision, cash‑flow, and sensitivity analysis for nonqualified deferrals.
About
Likely a good idea
Compensation & Deferrals
Retirement Planning
Returns & Growth
Risk & Preferences
Liquidity & Net Worth
Payroll Details
Distribution Details
Calculated Values
Future Value — Defer (after tax)
$409,294
Assumes 6.0% for 17 yrs; taxed at 30.0%
Future Value — No Deferral
$311,844
Invest after‑tax now @ 4.8% for 17 yrs
Advantage of Deferral
+$97,450
= 31.2% vs. no deferral
Breakeven & Risk Flags
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Sensitivity
Advantage of Deferral — Dollars
Advantage of Deferral — Dollars
| t1 ↓ / r_def → | 4.0% | 5.0% | 6.0% | 7.0% | 8.0% |
|---|---|---|---|---|---|
| 20.0% | $897,629 | $990,426 | $1,093,557 | $1,208,202 | $1,335,672 |
| 25.0% | $837,158 | $924,156 | $1,020,841 | $1,128,321 | $1,247,824 |
| 30.0% | $776,688 | $857,886 | $948,125 | $1,048,440 | $1,159,976 |
| 35.0% | $716,218 | $791,616 | $875,410 | $968,559 | $1,072,128 |
| 40.0% | $655,748 | $725,345 | $802,694 | $888,678 | $984,280 |
Advantage = FV(deferral) − FV(no deferral). Future tax is clamped 0–100%.
Advantage of Deferral — Percent
Advantage of Deferral — Percent
| t1 ↓ / r_def → | 4.0% | 5.0% | 6.0% | 7.0% | 8.0% |
|---|---|---|---|---|---|
| 20.0% | 1284.2% | 1417.0% | 1564.5% | 1728.6% | 1910.9% |
| 25.0% | 1197.7% | 1322.2% | 1460.5% | 1614.3% | 1785.3% |
| 30.0% | 1111.2% | 1227.4% | 1356.5% | 1500.0% | 1659.6% |
| 35.0% | 1024.7% | 1132.6% | 1252.4% | 1385.7% | 1533.9% |
| 40.0% | 938.2% | 1037.7% | 1148.4% | 1271.4% | 1408.2% |
Advantage = FV(deferral) − FV(no deferral). Future tax is clamped 0–100%.
Multiple Deferral Elections
| Label | Amount | Distribution Age | Installments (yrs) | |
|---|---|---|---|---|
| No elections added yet. | ||||
After‑Tax Cash Flow by Age
Yearly Summary
| Year | Deferral | Take‑Home Δ | Distributions | End Balance | Cumulative Advantage |
|---|---|---|---|---|---|
| 1 | $50,000 | -$31,500 | $0 | $51,548 | $23,315 |
| 2 | $50,000 | -$31,500 | $0 | $106,189 | $44,573 |
| 3 | $50,000 | -$31,500 | $0 | $164,108 | $63,922 |
| 4 | $50,000 | -$31,500 | $0 | $225,503 | $81,504 |
| 5 | $50,000 | -$31,500 | $0 | $290,581 | $97,450 |
| 6 | $0 | $0 | $0 | $308,015 | $97,450 |
| 7 | $0 | $0 | $0 | $326,496 | $97,450 |
| 8 | $0 | $0 | $0 | $346,086 | $97,450 |
| 9 | $0 | $0 | $0 | $366,851 | $97,450 |
| 10 | $0 | $0 | $0 | $388,862 | $97,450 |
| 11 | $0 | $0 | $0 | $412,194 | $97,450 |
| 12 | $0 | $0 | $0 | $436,926 | $97,450 |
| 13 | $0 | $0 | $0 | $463,141 | $97,450 |
| 14 | $0 | $0 | $0 | $490,930 | $97,450 |
| 15 | $0 | $0 | $0 | $520,386 | $97,450 |
| 16 | $0 | $0 | $0 | $551,609 | $97,450 |
| 17 | $0 | $0 | $0 | $584,705 | $97,450 |