An example plan. Dana runs a one-person consulting firm. Every figure comes from the same engine as your estimate.

maxedRivera Advisory LLC Cash Balance Plan

Plan account

What went into the plan’s account and what it earned. Your plan credits your account with this actual return, gains and losses alike.

Account value
$453,912
May 12, 2028
Put in
$403,052
3 transfers since 2026
Investment gain
+$50,860
+4% so far in 2028
Floor when paid out
$720,095
Pay credits, including 2028’s

Since the plan was funded

Account valueMoney put in
$0$125k$250k$375k$500kDec 2026May 2028

By year

YearPut in for the yearPay creditReturnValue at year end
2026$223,052$228,420+$1,258 (+0.6%)$224,310
2027$180,000$239,841+$32,202 (+11%)$436,512
2028$0$251,833+$17,400 (+4%)$453,912 on May 12, 2028

The floor counts this year’s pay credit in full; the rest of this year’s contribution funds it. Returns here are measured from the values we have, weighting each contribution by how long it was invested. The actuary measures the official return each year. The floor only matters when money is paid out.

What it holds · May 12, 2028

  • Total US stock market index fund USIDX$249,65255%
  • Total international stock index fund INTLX$113,47825%
  • Total US bond market index fund BONDX$90,78220%