Currently I have to model 401k via multiple cash flow priorities - one for Traditional one for Roth.

My situation is: Max to Roth 401k ($23,000 for 2024) Employer matches 50% Traditional ($11,500 for 2024) Mega-backdoor Roth aftertax ($34,500 for 2024)

This net in $57,500 Roth, with $11,500 Traditional.

I would like to be able to model this with a single “Cash Flow Priority” – this is especially important if you have multiple jobs and can leverage multiple employer contributions… – this would be tied to a single salary to enforce income limits, age modifiers (catch-up contributions), total contribution limits, identify where each contribution is going.

Example: As a 55yo, for an cash flow priority tied to a salary representing a job I could do for 2024:

Employee contribution: $7,500 - Roth $23,000 - Traditional Employer Match: 50% of employee contribution classified as Traditional, but not of Catch-up $11,500 - Traditional After-tax (split 50/50 mega-backdoor and plain just to complicate things and illustrate): $17,250 - Traditional (this is complex since you can withdraw these contributions w/o penalty or tax. additionally some plans allow for in-plan withdrawal and some don’t – this affects liquidity of these funds). $17,250 - Roth

Other possible change - More nuance/complex Employer match policies e.g.: - 3% safe harbor - 100% matching contribution on the first 1% of your salary and a 50% on the next 5% of your salary.