The leading actuarial platform for pension professionals
Modern, cloud-based actuarial software for defined benefit and cash balance plans.
Proposals, Actuarial Valuations, Schedule SBs all in one actuarial engine. Quick, easy & automated.
Sample Dental PLLC Cash Balance Plan
Plan year 2026 · Valuation date 01/01/2026 · 2 participants
Funding target
$412,880
Actuarial value of assets
$398,400
FTAP
96.49%
Target normal cost
$96,204
Contribution range · plan year 2026
Minimum required
$97,542
Maximum deductible
$317,124
Planned contribution
$180,000
Above minimum by $82,458 · Deductible room left $137,124
Inputs and plan rules saved with this valuation
Export PDF report- Nothing to install
- IRS limits kept current
- Firm templates and roles
- Schedule SB from the same data
One workspace in place of desktop installs, license files, shared drives and spreadsheets.
One workflow
From census to Schedule SB
Clients, plans, and valuations stay linked, so nobody re-keys data between tools.
Sample Dental PLLC Cash Balance Plan
Plan year 2026 · Valuation date 01/01/2026 · 2 participants
| Participant | Compensation | Pay credit | Opening balance |
|---|---|---|---|
| R. Alvarez | $360,000 | $82,000 | $351,600 |
| M. Alvarez | $60,000 | $14,000 | $61,280 |
| Total | $96,000 | $412,880 |
Entered once. The same census feeds the valuation, the report, and Schedule SB.
Features
Built for the way pension work actually gets done
The full cycle for Solo Cash Balance + 401(k) plans, from the first proposal to the annual valuation and Schedule SB.
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
Figures shown are illustrative sample data, not output for a real plan.
Run Cash Balance funding valuations from census data, with inputs and plan rules saved alongside every result.
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
Every run is saved as a numbered version. Mark one as final and compare any two side by side.
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 |
Open any result and follow the calculation step by step, from inputs to the final figure.
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
Assemble the valuation report from up to 24 sections, with presets for the full report, a client packet, certifications only, or Schedule SB attachments.
Valuation report · sections
- Plan summary
- Contribution requirements
- Benefit limits
- Participant statements
- Actuarial certification
- AFTAP certification letter
Produce Schedule SB actuarial information from the same valuation data, ready for review.
Schedule SB
Ready for review- 3dFunding target, total$412,880
- 6cTarget normal cost, total$96,204
- 14FTAP96.49%
- 34Total funding requirement$97,542
Limits and mortality tables are maintained centrally, so no one updates local files.
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 |
Save your firm's plan designs and defaults, then start new work from them.
Solo Cash Balance + 401(k)
Firm default
Owner and spouse
Saved by a company admin
Figures shown are illustrative sample data, not output for a real plan.
Built for review
Software does the arithmetic. You keep the judgment.
Equaplan performs the calculations and keeps the record. A qualified actuary reviews and certifies every result.
Every input stays visible
Each valuation stores its inputs and plan rules, so results can be reviewed before certification.
Every year can be reopened
Saved valuations keep a snapshot of the plan rules used. Open a prior year and see what produced it.
The signature stays yours
Assumptions and certification remain with the credentialed actuary. Equaplan does not provide actuarial advice.
Saved valuation
Sample Dental PLLC Cash Balance Plan
Plan year 2026 · kept with the result
- Census2 participants
- Plan rulesSnapshot as valued
- AssumptionsAs entered
- IRS limitsPlan year 2026
- Mortality tablePlan year 2026
Why switch
Legacy desktop tools weren't built for today's firms
Local installs, license renewals, and files scattered across drives slow everyone down. Equaplan replaces them with a shared, secure workspace.
| Equaplan | Legacy desktop tools | Spreadsheets | |
|---|---|---|---|
| Installs and licenses | None. Sign in from any desktop browser. | Local installs, license files, manual renewals | None, but nothing is shared |
| IRS limits and tables | Maintained centrally in the platform | Updated by hand or by patch | Copied in by hand |
| Calculation logic | Same logic for every plan | Consistent, tied to one machine | Formulas drift between copies |
| History | Every valuation keeps its inputs and plan rules | Separate files per plan or year | Depends on file naming and discipline |
| Team access | One firm workspace with admin and user roles | Shared drive or a single machine | Whoever has the latest copy |
| Output | Proposal PDFs, reports, and Schedule SB from the same data | Often assembled across several tools | Manual formatting |
Installs and licenses
- Equaplan
- None. Sign in from any desktop browser.
- Legacy desktop tools
- Local installs, license files, manual renewals
- Spreadsheets
- None, but nothing is shared
IRS limits and tables
- Equaplan
- Maintained centrally in the platform
- Legacy desktop tools
- Updated by hand or by patch
- Spreadsheets
- Copied in by hand
Calculation logic
- Equaplan
- Same logic for every plan
- Legacy desktop tools
- Consistent, tied to one machine
- Spreadsheets
- Formulas drift between copies
History
- Equaplan
- Every valuation keeps its inputs and plan rules
- Legacy desktop tools
- Separate files per plan or year
- Spreadsheets
- Depends on file naming and discipline
Team access
- Equaplan
- One firm workspace with admin and user roles
- Legacy desktop tools
- Shared drive or a single machine
- Spreadsheets
- Whoever has the latest copy
Output
- Equaplan
- Proposal PDFs, reports, and Schedule SB from the same data
- Legacy desktop tools
- Often assembled across several tools
- Spreadsheets
- Manual formatting
Getting started
Up and running in three steps
Accounts are created for you, so there is nothing to install or configure.
1
Book a demo
2
Set up your firm
3
Bring in clients
Solutions
For the people who design, value, and administer Cash Balance plans
Actuarial and TPA firms
One cloud workspace for your firm's Cash Balance book: clients, plans, valuations, and reports.
- Firm-wide templates
- Team roles
- Clients with several plans
Consulting actuaries
Valuations and Schedule SB from any browser, with the assumptions and tables you control.
- Transparent inputs
- Maintained tables
- Fast what-ifs
Plan administrators
Turn a prospect's census into a clear Cash Balance + 401(k) proposal, then carry it straight into valuation.
- Proposal PDFs
- Calculators
- No re-keying
Security
Each firm's data stays with that firm
Clear roles for everyone who uses it, and no local servers or desktop installs to secure.
- Cloud hosted
- Equaplan runs on managed cloud infrastructure, so there are no local servers or desktop installs to secure.
- Firm-level data isolation
- Each firm's clients, plans, and valuations are kept separate. Users only see data for their own firm.
- Role-based access
- Platform admins, company admins, and standard users each have clearly scoped permissions.
- Authenticated access
- Every user signs in with their own account, and new users join by invitation from their firm.
Pricing
Priced per firm, not per valuation.
One subscription covers valuations, reports and Schedule SB for the year.
- SoloFor independent and consulting actuaries.from $249 / month
- FirmFor actuarial and TPA firms with a team.from $749 / month
- EnterpriseFor larger firms and multi-office practices.Custom
FAQ
Common questions
Don't see yours? Ask during a demo.
Equaplan focuses on Solo Cash Balance + 401(k) plans: proposals, funding valuations, reports, and Schedule SB. Ask us about your other plan types during a demo.
No. Equaplan runs in a desktop browser. There are no installs, license files, or servers to maintain.
Your actuary does. Equaplan does the calculations and keeps every input visible so results can be reviewed before certification.
Yes. Company admins invite users, manage firm settings and plan templates, and each firm only sees its own data.
Per firm, by tier. Solo starts at $249 a month and Firm at $749 a month, billed annually. See the pricing page for what each tier includes.
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