Grantd — Advisor‑Led NQDC Planner

Decision, cash‑flow, and sensitivity analysis for nonqualified deferrals.

Likely a good idea

Compensation & Taxes

Current Year Income

Amount to Defer (this year)

Current Marginal Tax Rate

Expected Future Marginal Tax Rate

Timing & Returns

Current Age

Distribution Start Age

Years Until Distribution

Expected Plan Return (pre‑tax)

Alt After‑Tax Return (no deferral)

Risk & Preferences

Employer Credit Strength

Liquidity Need

Employer Exposure (% of net worth)

Payroll & Distribution

Pay Frequency

Effective Withholding (this year)

Installments (years)

Net Pay Drop / Semi-Monthly

$2,625

Net Pay Drop / Year

$63,000

Future Value — Defer (after tax)

$167,759

Assumes 6.0% for 15 yrs; taxed at 30.0%

Future Value — No Deferral

$127,280

Invest after‑tax now @ 4.8% for 15 yrs

Advantage of Deferral

+$40,479

= 31.8% vs. no deferral

Distribution Schedule (this scenario)

Balance at Start (pre‑tax)

$239,656

Annual Gross Payment

$47,931

Annual Net Payment

$33,552

Breakeven & Flags

Breakeven Future Tax Rate (t1*)

46.9%

Employer Risk

Strong (0)

Liquidity

Low (0)

Employer Exposure > 30%?

Save / Export / Print

Sensitivity

Hold No‑Deferral Fixed Recompute No‑Deferral

Advantage of Deferral — Dollars

t1 ↓ / r_def →	4.0%	5.0%	6.0%	7.0%	8.0%
20.0%	$16,796	$39,034	$64,445	$93,443	$126,494
25.0%	$7,791	$28,640	$52,462	$79,647	$110,633
30.0%	-$1,214	$18,245	$40,479	$65,852	$94,772
35.0%	-$10,219	$7,850	$28,496	$52,057	$78,911
40.0%	-$19,223	-$2,544	$16,514	$38,262	$63,050

Advantage = FV(deferral) − FV(no deferral). Future tax is clamped 0–100%.

Advantage of Deferral — Percent

t1 ↓ / r_def →	4.0%	5.0%	6.0%	7.0%	8.0%
20.0%	13.2%	30.7%	50.6%	73.4%	99.4%
25.0%	6.1%	22.5%	41.2%	62.6%	86.9%
30.0%	-1.0%	14.3%	31.8%	51.7%	74.5%
35.0%	-8.0%	6.2%	22.4%	40.9%	62.0%
40.0%	-15.1%	-2.0%	13.0%	30.1%	49.5%

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.

Compensation & Taxes

Timing & Returns

Risk & Preferences

Payroll & Distribution

Distribution Schedule (this scenario)

Breakeven & Flags

Save / Export / Print

Sensitivity

Advantage of Deferral — Dollars

Advantage of Deferral — Dollars

Advantage of Deferral — Percent

Advantage of Deferral — Percent

Multiple Deferral Elections

After‑Tax Cash Flow by Age