State Retirement Mandate
Penalty Calculator

What Is the State Retirement Mandate Penalty Calculator?

This free tool calculates your estimated employer penalty exposure under your state's retirement mandate law. Enter your state and employee count — results appear instantly.

The calculator covers all 17 states with active or pending mandates, including CalSavers (California), RetireReady NJ, OregonSaves, IL Secure Choice, Colorado SecureSavings, MyCTSavings, MarylandSaves, MERIT (Maine), RetirePath VA, and coming-soon programs in NY, MN, NV, WA, DE, RI, VT, and HI.

Open the Free Calculator →

How to Use the Calculator (3 Steps)

1. Select your state — loads your state's program name, employee threshold, and penalty rate
2. Enter your employee count — the tool checks if you meet the compliance threshold
3. Review your results — see estimated annual penalty + SECURE 2.0 tax credit opportunity

What Do the Results Mean?

Below threshold: Your employee count is under your state's minimum — you may not be required to comply yet. But act proactively; thresholds can change.

Penalty exposure: Your estimated annual fine if you remain non-compliant. This compounds every year you don't act.

SECURE 2.0 opportunity: The federal tax credits available if you set up a private 401(k) or IRA plan instead. For many businesses, credits exceed the cost of the plan — making compliance profitable.

Check Your State