KC Employee Budget Builder — KCCU Financial Wellness

Your Pay & Benefits

How are you paid?

Hourly Rate (before taxes)

Regular Hours per Week (max 40)

Average Overtime Hours per Week (optional)

Overtime is paid at 1.5× your base rate per FLSA — standard for hourly KC employees. Only include OT you work consistently.

Your 401(k) Contribution (% of gross pay)

KC contributes 3% flat + matches up to 2% of your contribution. Contributing at least 5% captures the full match.

Healthcare Plan

Employee-only coverage. Family coverage costs more — update estimates in the healthcare guide.

Plant / Office Location

Sets cost-of-living context and estimated state income tax. Rates are simplified estimates. Note: plant list may be incomplete — confirm with KCCU.

This is an estimate. Federal and state taxes use simplified calculations (single filer, standard deduction). State rates are approximate — PA notably does not exclude 401(k) contributions from state taxable income. Actual amounts depend on your filing status, deductions, and benefit elections. Use for planning only.

Estimated Biweekly Paycheck

Regular Pay —

Gross Pay —

401(k) Contribution —

Healthcare Premium —

FICA (Social Security + Medicare) —

Federal Income Tax (est.) —

State Income Tax (est.) —

Take-Home Pay —

Your 50/30/20 Budget

Needs (housing, food, bills)

50% —

Wants (dining, fun, extras)

30% —

Savings & Debt (emergency fund, loans)

20% —

KC Adds On Top Of Your Paycheck

3% Flat Contribution (monthly) —

Employer Match (monthly) —

Total KC Contribution (annual) —

Profit Sharing Estimate (annual range) —

Profit sharing is discretionary and varies by year. Historical range is 2–6% of base pay. Not guaranteed.

Learn more

KC 401(k) & Profit Sharing Deep Dive → HDHP vs. PPO: Which is right for you? → How the 50/30/20 Rule Works →