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401k Plan Decoder

Reads your 401k paperwork and converts fund fees, match fine print, and vesting rules into concrete dollars-over-time math.

UtilitiesBeginner★ 1,288⑂ 231AI score 9/10Last updated: Aug 16, 2026

What it does

  • Fee decode: turns expense ratios and per-participant admin fees into dollars lost by retirement, with the assumed return and time horizon labeled — never left as a bare percentage.
  • Match & vesting math: applies the match formula to your salary, checks per-paycheck computation vs. annual true-up, and computes exactly what leaving at year N forfeits.
  • Fund-lineup triage: a cost-tier table comparing funds within your own lineup, flagging the fund that costs 10× a near-identical neighbor and decoding layered target-date costs.
  • Feature decode: Roth 401k, after-tax + conversions, loan provisions, brokerage window — who each matters for, with [to confirm] where the documents are silent.
  • HR / administrator question list: missing documents by name, written true-up confirmation, fee-disclosure request.

By design it never recommends specific funds or allocations — it decodes cost and structure only.

Who it's for

  • US employees who have never actually read the enrollment packet
  • Anyone unsure whether they're capturing the full employer match
  • People weighing a job change who need the vesting forfeiture number
  • Anyone staring at a 40-fund lineup with no idea which ones are expensive

Examples

  1. "Is my 401k any good?" — attach the 404a-5 fee disclosure plus salary and balance; get a verdict, career fee cost, and the one change worth making this week.
  2. "How much does a 0.85% target-date fund cost me versus the 0.04% index option?" — compounds your balance and contributions both ways and shows the gap in dollars with assumptions stated.
  3. "I'm leaving in 3 years — what match do I lose?" — applies the vesting schedule to compute forfeiture and checks whether front-loading contributions forfeits match under a no-true-up formula.

· · · Install guide · · ·

Try it now, no install

Paste this into Claude to use the skill without installing anything.

Read the instructions in this file and follow them to help me:
https://raw.githubusercontent.com/mohitagw15856/pm-claude-skills/HEAD/exports/openclaw/401k-plan-decoder/SKILL.md

What I want: (describe your task here)

If Claude can't open the link, open it yourself and paste the contents instead.

↓ If it works for you, download the ZIP below and install it. Then it runs on its own — no pasting each time.

Install in the Claude app (no terminal)
  1. Download the ZIP with the button below.
  2. In Claude, open Settings → Capabilities and turn on 'Code execution and file creation'. (one time)
  3. Go to Customize → Skills → + → 'Upload a skill' and upload the ZIP.
↓ Download ZIP
Install in Claude Code

Let Claude do it — paste this into Claude Code

Install the skill I found on Claude Skill Mart.
Copy the exports/openclaw/401k-plan-decoder folder from the GitHub repo mohitagw15856/pm-claude-skills into my ~/.claude/skills/401k-plan-decoder/.
When it's done, tell me in one line what this skill can do.

Install with a command instead

git clone https://github.com/mohitagw15856/pm-claude-skills.git && mkdir -p ~/.claude/skills && cp -r pm-claude-skills/exports/openclaw/401k-plan-decoder ~/.claude/skills/

⚠ This is a third-party skill. Check the source repository before installing.

  1. Open a terminal (Terminal on macOS/Linux, Git Bash on Windows).
  2. Clone the repository: git clone https://github.com/mohitagw15856/pm-claude-skills.git
  3. Create the skills folder if it doesn't exist: mkdir -p ~/.claude/skills
  4. Copy just this skill: cp -r pm-claude-skills/exports/openclaw/401k-plan-decoder ~/.claude/skills/
  5. Restart Claude Code and confirm 401k-plan-decoder shows up under /skills.
  6. Attach your 401k fee disclosure and plan summary, add your salary, balance, contribution %, and expected tenure, then ask: "decode my 401k plan".
View source on GitHub ↗License: MIT