The Liability Estimator shows you the gap. The Benefits Optimizer makes sure you're not leaving money on the table.
Withholding Gap
-$28,293
W-4 adjustments needed for 3 employers
Uncaptured Match
$3,200/yr
Optimize contributions across 3 plans
Enter your pay stub numbers every two weeks. The Liability Estimator projects your year-end federal tax, compares it to what's being withheld, and tells you exactly how to adjust each employer's W-4.
“I check it every two weeks when my pay stub lands. Takes 2 minutes. I know exactly where I stand.”
“Last year I over-withheld by $4,200. That's $4,200 earning 0% at the IRS for 14 months. Never again.”
W-4 adjustments per employer
| Feature | Free | Pro |
|---|---|---|
| Year-end projection | ±15% range | |
| W-4 adjustments | — | |
| Quarterly payments | — | |
| Prior-year W2 analysis | — |
Most multi-W2 professionals max out one 401(k) and ignore the rest. The Benefits Optimizer maps every employer's match formula, finds the optimal contribution split, and tells you the per-paycheck amounts.
“I didn't even know the startup had a non-elective contribution. Free money I was leaving on the table for 8 months.”
“$3,200 a year in employer match I wasn't capturing. That's more than the Pro subscription costs in a decade.”
Tech Corp
100% match up to 6%
Consulting LLC
50% match up to 8%
Startup Inc
3% non-elective
Max Tech Corp first (highest match rate), then Consulting LLC
It's not that they don't know about 401(k) matching — it's that they max out one plan and forget the rest. Different match formulas, different vesting schedules, different plan years. The Benefits Optimizer cuts through the complexity and shows you exactly where to put each dollar.
Free users get year-end projections as ranges. Pro users get exact numbers, per-employer W-4 adjustments, safe harbor analysis, and full benefits optimization.