A Service of RiskCheck101.com
Retirement Check 101 — Know Your Plan
2025 IRS Rules · 12-Section Questionnaire · Two-Dimensional Plan Analysis
What it is
Retirement Check 101 is a free, institutional-grade retirement planning
tool from RiskCheck101. It walks you through 12 short sections about
your income, employer plans, IRAs, HSA, self-employment income, spouse,
risk profile, and retirement horizon, then produces a personalized
report showing exactly which tax-advantaged vehicles you can use under
current 2025 IRS rules, how much you can still contribute, and what
your retirement income will look like.
What it covers
- Traditional and Roth 401(k), 403(b), and 457(b) deferrals
- After-tax 401(k) and mega backdoor Roth strategies
- Traditional and Roth IRA, backdoor Roth, and spousal IRA
- Solo 401(k), SEP IRA, SIMPLE IRA, and cash balance / defined
benefit plans for self-employed and small business owners
- Health Savings Account (HSA) and the triple tax advantage
- Employer match analysis and IRC §402(g) / §415(c)
limit tracking across all elective deferrals
- SECURE 2.0 super catch-up (ages 60–63) and 50+ catch-up rules
- Future-value projections with Monte Carlo analysis and a Future
Financial Events calendar (raises, inheritances, home purchases,
recurring expenses, etc.)
2025 IRS contribution limits used
- IRA: $7,000 (+$1,000 catch-up at 50+)
- 401(k) / 403(b) elective deferral: $23,500 (+$7,500 catch-up
at 50+, +$11,250 SECURE 2.0 super catch-up at 60–63)
- 401(k) total annual additions (IRC §415(c)): $70,000
- Solo 401(k): $70,000 total (employee + employer)
- SEP IRA: 25% of W-2 (S-Corp) or ~20% of net SE income
(sole prop), capped at $70,000
- SIMPLE IRA: $16,500 (+$3,500 catch-up, +$5,250 SECURE 2.0)
- 457(b): $23,500 (separate stacking limit, +$7,500 catch-up)
- HSA: $4,300 self / $8,550 family (+$1,000 at 55+)
Limits reflect IRS Notice 2024-80 and Rev. Proc. 2024-40 for tax year 2025.
How to use it
Visit retirementcheck101.com,
answer the 12 questionnaire sections, and review your personalized
Retirement Plan Choices decision tree, Future Financial Events
calendar, and Retirement Plan Outcomes charts. Create a free account
to save your plan and return any time to re-run it with updated rules.
About RiskCheck101
RetirementCheck101™ is a service of RiskCheck101, an independent
educational resource for personal financial risk and retirement
planning. Not affiliated with the IRS, SSA, DOL, or any other
government agency. Educational only — not financial, investment,
tax, or legal advice. No client or fiduciary relationship is created
by use of this tool. Always consult a qualified CPA, tax advisor,
or financial planner for guidance specific to your situation.
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