Advisor‑Led NQDC Planner
Decision, cash‑flow, and sensitivity analysis for nonqualified deferrals.
Likely a good idea
Compensation & Taxes
Timing & Returns
Risk & Preferences
Liquidity & Net Worth
Payroll & Distribution
Future Value — Defer (after tax)
$728,540
Assumes 6.0% for 15 yrs; taxed at 30.0%
Future Value — No Deferral
$567,864
Invest after‑tax now @ 4.8% for 15 yrs
Advantage of Deferral
+$160,676
= 28.3% vs. no deferral
Distribution Schedule (this scenario)
Breakeven & Flags
Save / Export / Print
Sensitivity
Advantage of Deferral — Dollars
Advantage of Deferral — Dollars
| t1 ↓ / r_def → | 4.0% | 5.0% | 6.0% | 7.0% | 8.0% |
|---|---|---|---|---|---|
| 20.0% | $1,507,771 | $1,643,610 | $1,792,446 | $1,955,543 | $2,134,284 |
| 25.0% | $1,405,580 | $1,532,930 | $1,672,463 | $1,825,366 | $1,992,936 |
| 30.0% | $1,303,389 | $1,422,249 | $1,552,480 | $1,695,190 | $1,851,588 |
| 35.0% | $1,201,199 | $1,311,568 | $1,432,497 | $1,565,014 | $1,710,241 |
| 40.0% | $1,099,008 | $1,200,888 | $1,312,515 | $1,434,837 | $1,568,893 |
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% | 1184.6% | 1291.3% | 1408.3% | 1536.4% | 1676.8% |
| 25.0% | 1104.3% | 1204.4% | 1314.0% | 1434.1% | 1565.8% |
| 30.0% | 1024.0% | 1117.4% | 1219.7% | 1331.9% | 1454.7% |
| 35.0% | 943.7% | 1030.5% | 1125.5% | 1229.6% | 1343.7% |
| 40.0% | 863.5% | 943.5% | 1031.2% | 1127.3% | 1232.6% |
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 | $100,000 | -$63,000 | $0 | $103,096 | $38,699 |
| 2 | $100,000 | -$63,000 | $0 | $212,378 | $73,863 |
| 3 | $100,000 | -$63,000 | $0 | $328,216 | $105,754 |
| 4 | $100,000 | -$63,000 | $0 | $451,005 | $134,616 |
| 5 | $100,000 | -$63,000 | $0 | $581,161 | $160,676 |
| 6 | $0 | $0 | $0 | $616,031 | $160,676 |
| 7 | $0 | $0 | $0 | $652,993 | $160,676 |
| 8 | $0 | $0 | $0 | $692,172 | $160,676 |
| 9 | $0 | $0 | $0 | $733,703 | $160,676 |
| 10 | $0 | $0 | $0 | $777,725 | $160,676 |
| 11 | $0 | $0 | $0 | $824,388 | $160,676 |
| 12 | $0 | $0 | $0 | $873,852 | $160,676 |
| 13 | $0 | $0 | $0 | $926,283 | $160,676 |
| 14 | $0 | $0 | $0 | $981,860 | $160,676 |
| 15 | $0 | $0 | $0 | $1,040,771 | $160,676 |