Your 401(k) match is money. Stop leaving it on the table.
Multiple employers means multiple plans with separate matches but one shared IRS limit. Benefits Optimization shows you the allocation that captures every dollar.
Uncaptured Match
$3,200/yr
Optimize contributions across 3 plans
Add each employer's plan in under a minute
Match formula, cap, HSA, premiums, mega backdoor Roth. Each plan takes under a minute to enter — and you immediately see what that employer is actually worth beyond the salary number.
See which plan wins on every dimension
Two or more plans unlock a side-by-side comparison across 7 dimensions: match formula, annual match value, HSA, premiums, mega backdoor, and vesting. The best value in each row stands out immediately.
| Benefit | Tech Corp | Consulting LLC | Startup Inc |
|---|---|---|---|
| Match Formula | 100% up to 6% | 50% up to 8% | 3% non-elective |
| Max Annual Match | $7,500 | $3,800 | $2,340 |
| Employer HSA | $500/yr | -- | -- |
| Monthly Premiums | $210/mo | $180/mo | $242/mo |
| Annual Premiums | $2,520 | $2,160 | $2,904 |
| Mega Backdoor | Yes | No | No |
| Vesting | Immediate | 3-year cliff | 4-year graded |
The optimizer does the math you can't do in a spreadsheet
Allocates your total 401(k) budget across all plans to maximize employer match. Respects the $24,500 IRS limit. Warns about over-contributions. Shows per-paycheck amounts for each employer.
Total 401(k)
$24,500
Employer Match
$13,640
Total HSA
$4,150
Est. Tax Savings
$6,876
Try it yourself
See how the optimizer allocates contributions across multiple plans
Match: 100% up to 6% = $7,500/yr
HSA: $500/yr employer contribution
Premiums: $175/mo health + $25/mo dental + $10/mo vision
Mega Backdoor Roth: Available
Match: 50% up to 8% = $3,800/yr
Premiums: $150/mo health + $20/mo dental + $10/mo vision
Match: 3% non-elective = $2,340/yr
Premiums: $210/mo health + $22/mo dental + $10/mo vision
Start with 3 plans, then add a 4th
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The comparison table is free. The optimizer is Pro.
See your plans side by side at no cost. Upgrade to Pro for optimal allocation, per-paycheck amounts, and overlap detection.