WF Deferral Benefit Calculator

Deferral Amount

Hypothetical Deferral Amount

Plan allows deferral of up to 80% of base salary and 100% of bonus. Elections are irrevocable.

Current Year Tax Rates

Select your marginal bracket for the year you defer

Filing Status

Select the bracket that contains your estimated taxable income (AGI minus deductions):

State of Residence

Distribution Settings

Years Until Distribution Begins

Deferral year + years until you start receiving payments

Distribution Method

Lump Sum Single payment in the elected year 5-Year Installments Equal annual payments over 5 years 10-Year Installments Equal annual payments over 10 years

Distribution Year Tax Rates

If you expect to be retired, you may select a lower bracket

Filing Status at Distribution

Select the bracket you expect at distribution:

State of Residence at Distribution

Investment Return Assumption

Applied to both scenarios. Consult the reference below.

per year, pre-tax

Total After-Tax Benefit

—

Final After-Tax Value

Deferred

—

Non-Deferred

—

Net Present Value of Benefit

—

Discounted to today at your assumed return rate

Account Balance Over Time

The deferred account invests the full pre-tax deferral; the non-deferred scenario invests only the after-tax remainder. During distribution (dashed lines), income taxes are withheld from each installment payment, shown as step-downs in the balance. The final data point for both scenarios reflects proceeds after federal long-term capital gains tax is applied to investment gains. Hover any year for detail.

Scenario Comparison

	Deferred	Non-Deferred

ⓘ FICA Note: Under the Plan, FICA (Social Security and Medicare) taxes still apply to deferred compensation in the year it is earned, regardless of when it is distributed. This calculator does not quantify FICA impact.

Inputs & Assumptions ▼