Calculator · Live
Benefits Decoder.
Your employer benefits handbook is 40 pages long and nobody reads it. Enter what you've got and we'll rank what to max first — by dollars of guaranteed return per year. Educational only, not financial advice.
Fill in what you know and submit. You don't need every field.
How the ranking works
We sort every benefit by its guaranteed annual dollar return, lowest-risk first. 401(k) match is free money. HSA on an HDHP is triple-tax-advantaged. Dependent-care FSA is guaranteed tax savings at your bracket. ESPP with a lookback is a built-in instant return — we flag the risk of holding the stock long-term.
What this tool doesn't rank: long-term return on 401(k) investment choices, after-tax equity comp (RSUs / stock options), or pension valuations. Those are individual decisions, not benefit-election decisions.
That's your brief. The move is yours.
— The MoneyBrief Team
— The MoneyBrief Team