Features
Everything your firm needs for Cash Balance plans
Equaplan covers the full cycle for Solo Cash Balance + 401(k) plans, from the first proposal to the annual valuation and Schedule SB.
Funding valuations
Run Cash Balance funding valuations from census data, with inputs and plan rules saved alongside every result.
- Funding target, target normal cost, minimum required and maximum deductible in one results view
- Inputs and plan rules are saved with each valuation
- Reopen any saved valuation and see exactly what produced it
Valuation results · plan year 2026
Funding target
$412,880
Actuarial value of assets
$398,400
FTAP
96.49%
Target normal cost
$96,204
Minimum required
$97,542
Maximum deductible
$317,124
Planned contribution
$180,000
Saved versions and compare
Every run is saved as a numbered version. Mark one as final and compare any two side by side.
- Versions are never overwritten
- A final marker shows which run you signed
- Side-by-side comparison of inputs and results
Compare versions · plan year 2026
1 change
| Figure | v3 | v4 Final |
|---|---|---|
| Funding target | $412,880 | $412,880 |
| Target normal cost | $96,204 | $96,204 |
| Minimum required | $97,542 | $97,542 |
| Planned contribution | $160,000 | $180,000 |
Calculation audit trail
Open any result and follow the calculation step by step, from inputs to the final figure.
- Each step shows the values that went into it
- Useful for peer review and for answering client questions
Calculation trace · minimum required contribution
- 1Segment rates applied4.75% / 5.18% / 5.92%
- 2Present value of accrued benefits$412,880
- 3Target normal cost$96,204
- 4Minimum required contribution$96,204 + $1,338 shortfall installment$97,542
Client-ready reports
Assemble the valuation report from up to 24 sections, with presets for the full report, a client packet, certifications only, or Schedule SB attachments.
- Includes plan summary, contribution requirements, benefit limits, participant statements and the actuarial certification
- AFTAP certification letter
- Your firm's name, logo and certification wording
Valuation report · sections
- Plan summary
- Contribution requirements
- Benefit limits
- Participant statements
- Actuarial certification
- AFTAP certification letter
Copy to next year
Start next year's valuation from this year's record instead of from a blank form.
- Client, plan and census carry forward
- Review and update only what changed
Valuation · plan year 2025
Final · signed
Valuation · plan year 2026
Draft · review what changed
Proposals and illustrations
Build Solo Cash Balance + 401(k) proposals for business owners and export clean PDF illustrations.
- Start every proposal from your firm's templates
- Branded PDF illustrations that use your firm's settings
- The client record carries into valuation when the plan is adopted
Proposal illustration · PDF
Cash Balance + 401(k)
Owner, age 54 · plan year 2026
- 401(k) deferral + catch-up$32,500
- Profit sharing$21,600
- Cash Balance pay credit$200,000
Illustration only. The final contribution is set by the actuary.
Schedule SB
Produce Schedule SB actuarial information from the same valuation data, ready for review.
- Built from the valuation you already ran, with nothing re-keyed
- Prepared for the enrolled actuary's review and signature
Schedule SB
Ready for review- 3dFunding target, total$412,880
- 6cTarget normal cost, total$96,204
- 14FTAP96.49%
- 34Total funding requirement$97,542
Plan calculators
Solo 401(k), Cash Balance target ratio, and DB contribution calculators for quick sizing.
- Size a contribution before you build a full valuation
- Useful in the first conversation with a business owner or advisor
Age
54
W-2 compensation
$360,000
- Elective deferral$24,500
- Catch-up$8,000
- Employer contribution$47,500
IRS limits and mortality tables
Limits and mortality tables are maintained centrally, so no one updates local files.
- Annual limits are kept current in the platform
- Everyone in the firm works from the same tables
IRS limits
Maintained centrally| Limit | 2025 | 2026 |
|---|---|---|
| §415(b) | $280,000 | $290,000 |
| §415(c) | $70,000 | $72,000 |
| §401(a)(17) | $350,000 | $360,000 |
| §402(g) | $23,500 | $24,500 |
| §414(v) | $7,500 | $8,000 |
Firm plan templates
Save your firm's plan designs and defaults, then start new work from them.
- Company admins set templates and firm settings once
- New proposals and valuations start from your defaults
Solo Cash Balance + 401(k)
Firm default
Owner and spouse
Saved by a company admin
Clients with multiple plans
Keep clients, their plans, and their valuations linked in one place.
- A client can sponsor more than one plan
- Each saved valuation keeps a snapshot of the plan rules used
- Paste census rows from a spreadsheet and they are checked as they come in
Cash Balance Plan
Valuation 2024Valuation 2025Valuation 2026401(k) Plan
Team roles
Company admins manage settings and invite users. Each firm only sees its own data.
- Admin and user roles with clearly scoped permissions
- New users join by invitation from their firm
Your firm · team
Visible to your firm only- ACCompany admin
A. Chen
Settings, templates, invitations
- JPUser
J. Patel
Clients, plans, valuations
- User
S. Morgan
Invitation sent
Figures shown are illustrative sample data, not output for a real plan.
See it with your own plans
Book a walkthrough of Equaplan
We'll walk through a valuation from census to Schedule SB, and talk about how your firm works today.
What the demo covers
- 1A live walkthrough from census to Schedule SB
- 2A look at templates, calculators, and team roles
- 3Time for your questions about setup