Deferred Comp Projector 457 / 401k
Project your NYC Deferred Compensation balance at retirement from biweekly contributions.
Assumes 26 paychecks a year.
457(b) perk: The NYC DCP 457 plan generally has no 10% early-withdrawal penalty once you separate from service — useful if you retire before 59½. The 401(k) side still follows the usual penalty rules.
Educational estimate only. Returns are hypothetical, compounded each pay period, and assume contributions never stop or change. Does not reflect fees, taxes, IRS contribution limits, or market loss. Not investment advice — confirm specifics with the NYC Deferred Compensation Plan.
These tools are a starting point. For planning tailored to your situation — your FDNY pension, VSF, and what comes next — reach out to John D. Traut, financial advisor with J.M. Franklin & Company, LLC:
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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment, tax, or legal advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
For educational and informational use only. These calculators are simplified tools to help you explore general concepts. They are not financial, investment, tax, insurance, legal, or accounting advice, and are not a recommendation or offer to buy, sell, hold, roll over, or replace any product, security, or strategy.
No guarantee of accuracy. All results are estimates based on the figures you enter and simplified formulas. Tax rates and rules change and may not reflect your situation. Investment returns shown are hypothetical, are not guaranteed, and do not account for fees, taxes, inflation, or market loss. Past performance does not indicate future results.
No reliance. Do not rely on these outputs to make financial decisions. Your personal circumstances — including your FDNY pension, VSF rules, and survivor benefits — materially affect outcomes. Consult qualified, licensed professionals before acting.
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