Employee vs Employer Savings - RightCapital Help Center

Below is a table that illustrates which Savings in RightCapital are funded from the client's income, and which savings are funded by the employer / from outside the plan. It also lists where employee and employer contributions can be found in the Retirement > Cash Flows > Accounts tab. Retirement savings will be capped at the IRS contribution limits, which increase by your tax inflation assumption as they are projected into the future.

Type of Savings	Contribution Can Come From	Employee contributions location (Retirement > Cash Flows > Accounts)	Employer contributions location (Retirement > Cash Flows > Accounts)
401k, 403b, 457b, Solo 401k	Employee + Employer	401k/403b	401k/403b and/or Roth 401k/403b
Roth 401k, Roth 403b, Roth 457b, Roth Solo 401k	Employee + Employer	Roth 401k/403b	401k/403b and/or Roth 401k/403b
After-tax 401k	Employee	Roth IRA
401a	Employee + Employer	401k/403b	401k/403b
Traditional IRA	Employee	Traditional IRA
SEP IRA	Employee (Self-Employment) / Employer (Salary)	Traditional IRA	Traditional IRA
SIMPLE IRA	Employee + Employer	Traditional IRA	Traditional IRA and/or Roth IRA
Roth IRA, Backdoor Roth IRA	Employee	Roth IRA
Roth SEP IRA	Employee (Self-Employment) / Employer (Salary)	Roth IRA	Roth IRA
Roth SIMPLE IRA	Employee + Employer	Roth IRA	Traditional IRA and/or Roth IRA
HSA	Employee + Employer	Health Savings Account	Health Savings Account
529	Employee / Outside Individual	529	529
Taxable	Employee	Taxable
Cash Balance Pension	Employee (Self-Employment) / Employer (Salary)	Qualified Pension	Qualified Pension
Deferred Compensation	Employee + Employer	Non-Qualified Pension	Non-Qualified Pension
Profit-Sharing	Employee (Self-Employment) / Employer (Salary)	401k/403b	401k/403b
Employee Stock Purchase Plan	Employee + Employer Discount*	Taxable	Taxable *The value provided by the discount is reflected as an employer match
Employee Stock Ownership Plan	Employee (Self-Employment) / Employer (Salary)	401k/403b	401k/403b
Tax-Deferred	Outside Contribution		401k/403b or Traditional IRA
Tax-Free	Outside Contribution		Roth 401k/403b or Roth IRA