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    CAFFinance
    Healthcare worker workplace benefits

    Employer Benefits Action Plan

    Enter the benefits your employer offers. The tool combines your 403(b) or 401(k), health-plan, and HSA details into one prioritized plan—without connecting to an HR portal or saving your information.

    Build my action planRead the open enrollment guide
    Step 1 of 5Pay

    Everything stays in local React state. Nothing is transmitted, uploaded, or saved.

    Start with pay and paycheck timing

    Pay annualizes percentage-based contributions and converts costs to a per-paycheck view.

    $

    Use gross annual pay before deductions.

    Enter valid positive pay information to continue.

    How to use it

    Turn disconnected benefit fields into one decision order

    An HR portal usually presents retirement, health insurance, and tax accounts on separate screens. This tool keeps the categories separate in the math, then connects the actions.

    Capture before optimizing

    Check the exact match formula and contribution ceiling before comparing Roth, traditional, or investment choices.

    Separate the health-plan numbers

    Annual premium is a predictable payroll cost. The deductible and out-of-pocket maximum describe different layers of cost-sharing.

    Count both sides of the HSA

    Employee and employer HSA deposits share one IRS contribution limit. Eligibility must be confirmed for the exact plan.

    Use next

    Verify or compare one part at a time

    These existing pages go deeper without duplicating this action plan.

    403(b) Paycheck Calculator

    Run a focused contribution and paycheck estimate.

    Open resource

    Open Enrollment Guide

    Use the full benefits decision sequence.

    Open resource

    Open Enrollment True Cost Calculator

    Compare two health-plan cost structures.

    Open resource

    How to Read an SBC

    Find the official health-plan numbers.

    Open resource

    Current limits, official documents

    Numeric limits are labeled 2026 and centralized in one tested constant. Employer documents still control the plan formula, eligibility, vesting, and covered costs.

    Official sources