Every year, thousands of dollars go uncollected from your retirement and workplace benefits
You don’t need to know every benefit or rule to get started. Cedarwise helps you discover what may apply to you, understand which plan details matter, and work out your next step.
- 401(k)
- Mega backdoor Roth
- HSA
- Employer match
- ESPP
The free diagnostic
What the free diagnostic finds in your 401(k), and
Employer 401(k) match and HSA deposits
HSA deposits your employer adds if you enroll, and match lost when contributions finish early.
401(k), IRA, and HSA limits left unused
space, IRA, and HSA limits, and whether each still makes sense if you may leave the US.
Your ESPP stock discount
Company stock sold to you below market through an employee stock purchase plan.
What a job change or a new child changes
New limits, new windows, and benefits that didn’t apply before.
What you get
Every dollar figure shows its arithmetic using your own paycheck numbers
Free diagnostic example
One year of findings. Left unclaimed for decades, gaps like these can compound into hundreds of thousands of dollars you never collected.
The membership
Monitor your 401(k), mega backdoor Roth, and HSA with every payday
Enter your totals so far and current elections. The first result is the payroll change that keeps your 401(k) and HSA limits on track.
Sep 15
Avoid $11,500 above your pre-tax 401(k) limit
Projected excess$11,500 over the $24,500 employee limit
Lower combined pre-tax and Roth contributions to $1,562.50 per paycheck · up to 15.62% of pay. For paychecks Sep 15 through Dec 31.
See the math
- Deposited so far: $12,000
- 8 adjustable paychecks: set combined pre-tax plus Roth to $1,562.50 per paycheck
- Pre-tax + Roth 401(k) limit: $24,500
Illustrative Google employee. These figures use the same calculations and sample records as the interactive demo.
Sep 15
Add $23,250 in after-tax contributions this year
Additional after-tax contributions$23,250 more can go toward mega backdoor Roth
Set contributions to $3,406.25 per paycheck · up to 34.06% of pay. For paychecks Sep 15 through Dec 31. Alex’s after-tax contributions convert to Roth automatically.
See the math
- Already deposited: $26,000, including employee and employer contributions.
- Remaining pre-tax and Roth contributions: $12,500.
- Future employer contributions allowed for, including any $6,250. Employer money already deposited is included above.
- 8 adjustable paychecks: set after-tax contributions to $3,406.25 per paycheck
- Combined plan limit: $72,000
- Applicable annual after-tax allowance: $35,250.
Illustrative Google employee. These figures use the same calculations and sample records as the interactive demo.
The whole year at a glance. Months that need you are marked.
The exact payroll change
The amount per paycheck, the first paycheck it applies to, and the dollars protected.
Caught paychecks ahead
An excess or an unused limit is flagged while payroll can still be changed, not after the year closes.
Job changes handled
Your new job’s elections are set from what you already contributed at the old one.
Couldn’t I just do this myself?
Yes. Even when you know the rules, you still have to track contributions, revisit the math when jobs or elections change, and catch problems while payroll can still be adjusted.
Cedarwise carries your history forward, checks the paychecks you record against your employer’s rules and annual limits, and shows what amount to change and which paycheck to change it on.