Originally Posted by Thor (Post 2929885)

If only the R&I committee would put something out on this! Imagine going to the MEC website and searching the R&I e-library. ;)

Originally Posted by Andy (Post 2929988)

If only someone would post a link when they know the answer to a question. :rolleyes:

Thanks for sharing. I really appreciate spending 30 minutes going through the library after the search function returned nothing. :(

Originally Posted by grahamlax (Post 2929993)

haha i just spent the same finding it

Originally Posted by flap (Post 2929968)

OK, now that's funny.

We cannot have PRAP contributions based on income greater than 280k, or 285k for 2020, due to 401(a)(17) limit.

If you make 385k, you are 100k above the limit and your 16% B&C will spill to the RHA. ($16,000 to RHA)

Nothing can be done about that.

415(c) limit is another issue and the amount that spills can somewhat be controlled by the timing and amount of your contributions.

Want to maximize spillage to RHA? Put in as much as you can as early in the year as possible.

Want to minimize it? Put in less. In this example you would put in 17,900 to combine with the 45.6k to equal 63.5k.

you can run some howgozits at online RHA Calculator at

RHACalculator.com

It was just updated for 2020 numbers and based on your inputs will show how much will spill and and let you change contributions easily to see how it flows.

Unofficial, but works well and gives you breakdowns on the type of spill and potential balance at retirement.

Originally Posted by Andy (Post 2930001)

I'm STILL looking for this magical, mysterious document. :mad:

Originally Posted by flap (Post 2929968)

RHACalculator.com

It was just updated for 2020 numbers and based on your inputs will show how much will spill and and let you change contributions easily to see how it flows.

Unofficial, but works well and gives you breakdowns on the type of spill and potential balance at retirement.

Originally Posted by APC225 (Post 2930058)

Thanks for posting that. Hadn’t seen it.

Originally Posted by Andy (Post 2930114)

I have searched for it on alpa website - I have no idea where it's buried. Forget doing a search for 'rha calculator' because that doesn't work.

Originally Posted by flap (Post 2930268)

ALPA>My MEC>Committees>Retirement and Insurance>E Library>RHA Calculator

That is the excel version with 2019 Limits.

2020 will be up soon.

Originally Posted by Andy (Post 2930114)

I have searched for it on alpa website - I have no idea where it's buried. Forget doing a search for 'rha calculator' because that doesn't work.