Welcome to the Merck 2025 401(k) Contribution Modeler
The Merck 2025 401(k) Contribution Modeler (the "Modeler") is intended to help you decide how much to
contribute to the Merck U.S. Savings Plan or the MSD Employee Stock Purchase and Savings Plan (the "Plans")
in order to meet your savings goals. Take a moment to review the
IRS limits.
Then consider the savings goals below and click on whichever one best reflects the goal you would like to achieve in 2025.
The Modeler will make recommendations for your Before-Tax Contributions, After-Tax Contributions, Roth Contributions, and Spillover election based upon your selected goal.
You have not agreed to the Use Agreement.
First
Select your primary savings goal for 2025
OR
OR
Note: The Modeler is for planning purposes only. If you would like to make a change to your current Before-Tax,
After-Tax, Roth, or Spillover elections, you must do so in
NetBenefits®.
Also visit NetBenefits for more information
on the Plan.
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Questions
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Do NOT include any confidential personal data, such as your social security number (SSN) or salary information.
Please provide a detailed description of your specific question or issue. Do NOT include any confidential personal data, such as your social security number, salary or specific-health information.
Complete the information below and click “Submit”.
JS vars:
plan:
pretaxLimit:
sCurrentPage:
overAge50:
catchupEligible:
validatePretaxLimitMsg:
validateTotalLimitMsg:
validateCatchupLimitMsg:
validateTotalYTDMsg:
validateMatchMsg:
PHP Vars:
(integer) currentYear : 2025
(integer) compensationLimit : 350000
(integer) compensationNoLimit : 9223372036854775807
(integer) pretaxLimit : 23500
(integer) catchupLimit : 7500
(integer) pretaxLimitWithCatchup : 31000
(integer) totalLimit : 70000
(string) firstPayDate : 1/3/2025
(string) secondPayDate : 1/10/2025
(integer) biweeklyPeriods : 26
(integer) weeklyPeriods : 52
(integer) matchPercent1 : 75
(integer) matchUpTo1 : 6
(integer) maxBeforeTaxPercent1 : 25
(integer) maxAfterTaxPercent1 : 25
(integer) maxCatchupPercent1 : 25
(integer) maxRothPercent1 : 25
(integer) maxTotalPercent1 : 50
(integer) matchPercent2 : 65
(integer) matchUpTo2 : 6
(integer) maxBeforeTaxPercent2 : 25
(integer) maxAfterTaxPercent2 : 10
(integer) maxCatchupPercent2 : 50
(integer) maxRothPercent2 : 25
(integer) maxTotalPercent2 : 25
(integer) nonElectivePercent1 : 0
(double) nonElectivePercent2 : 0.5
(array) allPaychecks : Array ( [weekly] => Array ( [0] => 01/03/25 [1] => 01/10/25 [2] => 01/17/25 [3] => 01/24/25 [4] => 01/31/25 [5] => 02/07/25 [6] => 02/14/25 [7] => 02/21/25 [8] => 02/28/25 [9] => 03/07/25 [10] => 03/14/25 [11] => 03/21/25 [12] => 03/28/25 [13] => 04/04/25 [14] => 04/11/25 [15] => 04/18/25 [16] => 04/25/25 [17] => 05/02/25 [18] => 05/09/25 [19] => 05/16/25 [20] => 05/23/25 [21] => 05/30/25 [22] => 06/06/25 [23] => 06/13/25 [24] => 06/20/25 [25] => 06/27/25 [26] => 07/04/25 [27] => 07/11/25 [28] => 07/18/25 [29] => 07/25/25 [30] => 08/01/25 [31] => 08/08/25 [32] => 08/15/25 [33] => 08/22/25 [34] => 08/29/25 [35] => 09/05/25 [36] => 09/12/25 [37] => 09/19/25 [38] => 09/26/25 [39] => 10/03/25 [40] => 10/10/25 [41] => 10/17/25 [42] => 10/24/25 [43] => 10/31/25 [44] => 11/07/25 [45] => 11/14/25 [46] => 11/21/25 [47] => 11/28/25 [48] => 12/05/25 [49] => 12/12/25 [50] => 12/19/25 [51] => 12/26/25 ) [biweekly] => Array ( [0] => 01/03/25 [1] => 01/17/25 [2] => 01/31/25 [3] => 02/14/25 [4] => 02/28/25 [5] => 03/14/25 [6] => 03/28/25 [7] => 04/11/25 [8] => 04/25/25 [9] => 05/09/25 [10] => 05/23/25 [11] => 06/06/25 [12] => 06/20/25 [13] => 07/04/25 [14] => 07/18/25 [15] => 08/01/25 [16] => 08/15/25 [17] => 08/29/25 [18] => 09/12/25 [19] => 09/26/25 [20] => 10/10/25 [21] => 10/24/25 [22] => 11/07/25 [23] => 11/21/25 [24] => 12/05/25 [25] => 12/19/25 ) [biweekly2] => Array ( [0] => 01/10/25 [1] => 01/24/25 [2] => 02/07/25 [3] => 02/21/25 [4] => 03/07/25 [5] => 03/21/25 [6] => 04/04/25 [7] => 04/18/25 [8] => 05/02/25 [9] => 05/16/25 [10] => 05/30/25 [11] => 06/13/25 [12] => 06/27/25 [13] => 07/11/25 [14] => 07/25/25 [15] => 08/08/25 [16] => 08/22/25 [17] => 09/05/25 [18] => 09/19/25 [19] => 10/03/25 [20] => 10/17/25 [21] => 10/31/25 [22] => 11/14/25 [23] => 11/28/25 [24] => 12/12/25 [25] => 12/26/25 ) )
plan:
xxxxx
pretaxLimit:
xxxxx
sCurrentPage:
xxxxx
overAge50:
xxxxxx
catchupEligible:
xxxxx
validatePretaxLimitMsg:
xxxxx
validateTotalLimitMsg:
xxxxx
validateCatchupLimitMsg:
xxxxx
validateTotalYTDMsg:
xxxxx
validateMatchMsg:
xxxxx
PHP Vars:
(integer) currentYear : 2025
(integer) compensationLimit : 350000
(integer) compensationNoLimit : 9223372036854775807
(integer) pretaxLimit : 23500
(integer) catchupLimit : 7500
(integer) pretaxLimitWithCatchup : 31000
(integer) totalLimit : 70000
(string) firstPayDate : 1/3/2025
(string) secondPayDate : 1/10/2025
(integer) biweeklyPeriods : 26
(integer) weeklyPeriods : 52
(integer) matchPercent1 : 75
(integer) matchUpTo1 : 6
(integer) maxBeforeTaxPercent1 : 25
(integer) maxAfterTaxPercent1 : 25
(integer) maxCatchupPercent1 : 25
(integer) maxRothPercent1 : 25
(integer) maxTotalPercent1 : 50
(integer) matchPercent2 : 65
(integer) matchUpTo2 : 6
(integer) maxBeforeTaxPercent2 : 25
(integer) maxAfterTaxPercent2 : 10
(integer) maxCatchupPercent2 : 50
(integer) maxRothPercent2 : 25
(integer) maxTotalPercent2 : 25
(integer) nonElectivePercent1 : 0
(double) nonElectivePercent2 : 0.5
(array) allPaychecks : Array ( [weekly] => Array ( [0] => 01/03/25 [1] => 01/10/25 [2] => 01/17/25 [3] => 01/24/25 [4] => 01/31/25 [5] => 02/07/25 [6] => 02/14/25 [7] => 02/21/25 [8] => 02/28/25 [9] => 03/07/25 [10] => 03/14/25 [11] => 03/21/25 [12] => 03/28/25 [13] => 04/04/25 [14] => 04/11/25 [15] => 04/18/25 [16] => 04/25/25 [17] => 05/02/25 [18] => 05/09/25 [19] => 05/16/25 [20] => 05/23/25 [21] => 05/30/25 [22] => 06/06/25 [23] => 06/13/25 [24] => 06/20/25 [25] => 06/27/25 [26] => 07/04/25 [27] => 07/11/25 [28] => 07/18/25 [29] => 07/25/25 [30] => 08/01/25 [31] => 08/08/25 [32] => 08/15/25 [33] => 08/22/25 [34] => 08/29/25 [35] => 09/05/25 [36] => 09/12/25 [37] => 09/19/25 [38] => 09/26/25 [39] => 10/03/25 [40] => 10/10/25 [41] => 10/17/25 [42] => 10/24/25 [43] => 10/31/25 [44] => 11/07/25 [45] => 11/14/25 [46] => 11/21/25 [47] => 11/28/25 [48] => 12/05/25 [49] => 12/12/25 [50] => 12/19/25 [51] => 12/26/25 ) [biweekly] => Array ( [0] => 01/03/25 [1] => 01/17/25 [2] => 01/31/25 [3] => 02/14/25 [4] => 02/28/25 [5] => 03/14/25 [6] => 03/28/25 [7] => 04/11/25 [8] => 04/25/25 [9] => 05/09/25 [10] => 05/23/25 [11] => 06/06/25 [12] => 06/20/25 [13] => 07/04/25 [14] => 07/18/25 [15] => 08/01/25 [16] => 08/15/25 [17] => 08/29/25 [18] => 09/12/25 [19] => 09/26/25 [20] => 10/10/25 [21] => 10/24/25 [22] => 11/07/25 [23] => 11/21/25 [24] => 12/05/25 [25] => 12/19/25 ) [biweekly2] => Array ( [0] => 01/10/25 [1] => 01/24/25 [2] => 02/07/25 [3] => 02/21/25 [4] => 03/07/25 [5] => 03/21/25 [6] => 04/04/25 [7] => 04/18/25 [8] => 05/02/25 [9] => 05/16/25 [10] => 05/30/25 [11] => 06/13/25 [12] => 06/27/25 [13] => 07/11/25 [14] => 07/25/25 [15] => 08/08/25 [16] => 08/22/25 [17] => 09/05/25 [18] => 09/19/25 [19] => 10/03/25 [20] => 10/17/25 [21] => 10/31/25 [22] => 11/14/25 [23] => 11/28/25 [24] => 12/12/25 [25] => 12/26/25 ) )
Assumptions
Terms and Conditions
The Merck currentYear 401(k) Contribution Modeler (the \Modeler\) is intended to help you decide how much to contribute to the Merck U.S. Savings Plan or the MSD Employee Stock Purchase and Savings Plan (the \Plans\). By checking the box below to access the Modeler, you consent to electronic receipt and agree that you have received electronically, read, and are bound by the terms and conditions of use herein (the \Terms\).
The information and resources provided throughout the Modeler, including text, graphics, images, and other materials, are provided as general information, may be based on various assumptions relating to your age, eligibility, elections, or compensation, and neither represent nor are intended to be specific advice to you or anyone else on any particular matter, including, but not limited to, tax, legal, retirement planning, insurance, financial, or similar advice.
You are solely responsible for the accuracy of any data you enter into the Modeler, and calculations are based on the information you provide. The Modeler should not be used or relied upon by you as a substitute for your independent research or for professional advice regarding your own specific situation. Your actual experience may vary from the estimates modeled by the Modeler.
The Modeler is intended only for your personal non-commercial use, and you may not modify, copy, display, distribute, reverse engineer, or otherwise extract any source code, algorithms, methods, or techniques embodied in the Modeler.
The Modeler is provided on an \as is,\ \as available,\ and \with all faults\ basis, without warranty of any kind, express or implied, including, without limitation, warranties of merchantability, fitness for a particular use or purpose, title, or non-infringement. In no event shall Merck or any of its licensors be liable for any consequential, special, or indirect damages that result from use of, or loss of use of the Modeler. The rights, exclusions, warranty disclaimers and limitations of liability under these terms operate to the benefit of Merck’s subcontractors, licensors, and vendors to the same extent that such provisions operate to the benefit of Merck.
Nothing in the Modeler is intended to create, or meant to be construed to create, a contract of employment between you and Merck or any of its affiliates or subsidiaries. Merck reserves the right to amend or discontinue the plans and/or programs described in the Modeler, in whole or in part, at any time for any reason without prior notice to, or consent by, employees.
Although the Modeler contains high-level information about benefits available under the Plans, it is not intended to provide every detail. More detailed information can be found in the Summary Plan Description. In the event of a discrepancy or inconsistency between the content described in the Modeler, including any estimated calculations or provisions of the Plans, the terms of the Plans are controlling and will govern the amount, if any, you may be entitled to receive under the Plans.
Merck reserves the right to amend the Terms at any time, and any amendment shall become effective immediately.
Merck and its subsidiaries reserve the right to amend the benefits described in the Modeler (and the plans and programs under which they are provided) in whole or in part or completely discontinue them at any time, and nothing in this communication in any way limits that right.
The information and resources provided throughout the Modeler, including text, graphics, images, and other materials, are provided as general information, may be based on various assumptions relating to your age, eligibility, elections, or compensation, and neither represent nor are intended to be specific advice to you or anyone else on any particular matter, including, but not limited to, tax, legal, retirement planning, insurance, financial, or similar advice.
You are solely responsible for the accuracy of any data you enter into the Modeler, and calculations are based on the information you provide. The Modeler should not be used or relied upon by you as a substitute for your independent research or for professional advice regarding your own specific situation. Your actual experience may vary from the estimates modeled by the Modeler.
The Modeler is intended only for your personal non-commercial use, and you may not modify, copy, display, distribute, reverse engineer, or otherwise extract any source code, algorithms, methods, or techniques embodied in the Modeler.
The Modeler is provided on an \as is,\ \as available,\ and \with all faults\ basis, without warranty of any kind, express or implied, including, without limitation, warranties of merchantability, fitness for a particular use or purpose, title, or non-infringement. In no event shall Merck or any of its licensors be liable for any consequential, special, or indirect damages that result from use of, or loss of use of the Modeler. The rights, exclusions, warranty disclaimers and limitations of liability under these terms operate to the benefit of Merck’s subcontractors, licensors, and vendors to the same extent that such provisions operate to the benefit of Merck.
Nothing in the Modeler is intended to create, or meant to be construed to create, a contract of employment between you and Merck or any of its affiliates or subsidiaries. Merck reserves the right to amend or discontinue the plans and/or programs described in the Modeler, in whole or in part, at any time for any reason without prior notice to, or consent by, employees.
Although the Modeler contains high-level information about benefits available under the Plans, it is not intended to provide every detail. More detailed information can be found in the Summary Plan Description. In the event of a discrepancy or inconsistency between the content described in the Modeler, including any estimated calculations or provisions of the Plans, the terms of the Plans are controlling and will govern the amount, if any, you may be entitled to receive under the Plans.
Merck reserves the right to amend the Terms at any time, and any amendment shall become effective immediately.
Merck and its subsidiaries reserve the right to amend the benefits described in the Modeler (and the plans and programs under which they are provided) in whole or in part or completely discontinue them at any time, and nothing in this communication in any way limits that right.
By checking this box, I signify that I have read and understand the Terms by which I am accessing the Modeler.
CONTINUE
Assumptions
Assumptions
Modeler Questions?
Contact the Merck Benefits Service Center at Fidelity: 800-66-MERCK (800-666-3725) Monday through Friday (excluding New York Stock Exchange holidays), 8:30 a.m. to 8:30 p.m., ET.
Terms & Conditions
The information and resources provided throughout the Modeler, including text, graphics, images, and other materials, are provided as general information, may be based on various assumptions relating to your age, eligibility, elections, or compensation, and neither represent nor are intended to be specific advice to you or anyone else on any particular matter, including, but not limited to, tax, legal, retirement planning, insurance, financial, investment, or similar advice.
You are solely responsible for the accuracy of any data you enter into the Modeler, and calculations are based on the information you provide. The Modeler should not be used or relied upon by you as a substitute for your independent research or for professional advice regarding your own specific situation. Your actual experience may vary from the estimates modeled by the Modeler.
The Modeler is intended only for your personal non-commercial use, and you may not modify, copy, display, distribute, reverse engineer, or otherwise extract any source code, algorithms, methods, or techniques embodied in the Modeler.
Although the Modeler contains high-level information about benefits available under the Plan, it is not intended to provide every detail. More detailed information can be found in the Summary Plan Description. In the event of a discrepancy or inconsistency between the content described in the Modeler, including any estimated calculations or provisions of the Plan, the terms of the Plan are controlling and will govern the amount, if any, you may be entitled to receive under the Plan.
Merck reserves the right to amend the Terms at any time, and any amendment shall become effective immediately.
NEW Note, the MSD Employee Stock Purchase and Savings Plan is commonly referred to as the Legacy Merck Hourly Savings Plan.
This is used to determine eligibility for Catch-Up Contributions.
If you participated in the Schering-Plough Employees’ Savings Plan as of December 31, 2012, you are considered a
Legacy Schering-Plough Employee. Subject to ongoing eligibility requirements, Legacy Schering-Plough Employees
may receive transitional benefits from January 1, 2013 until December 31, 2019, whereby the Company will automatically
contribute an additional 0.5% of eligible compensation each pay period. Note, Legacy OBS Employees are not considered
Legacy Schering-Plough Employees for this purpose.
Base Pay for purposes of 401(k) contribution elections is defined as follows:
For participants in the Merck U.S. Savings Plan, Base Pay includes a participant’s actual base pay, sales commissions (applicable only for certain sales employees in Merck Consumer Care), overtime, and shift differential.
For participants in the MSD Employee Stock Purchase and Savings Plan, Base Pay includes actual base pay and COLA.
For participants in the Merck U.S. Savings Plan, Base Pay includes a participant’s actual base pay, sales commissions (applicable only for certain sales employees in Merck Consumer Care), overtime, and shift differential.
For participants in the MSD Employee Stock Purchase and Savings Plan, Base Pay includes actual base pay and COLA.
Paid “AIP/SIP” award refers to all cash incentive awards paid and not deferred under the Annual Incentive
Plan (AIP), the Executive Incentive Plan (EIP), and the Sales Incentive Plan (SIP). It does not include
any deferrals into the Merck Deferral Program.
For those with balances in the Plans
STEP 1: Log into NetBenefits and click on the name of your plan on the home page
STEP 2: In the left hand navigation bar, click on “Online Statement” and run a Year-to-Date statement
STEP 3: Scroll down to “Your Contribution Summary” and enter your Before-Tax Contributions shown in the “Period to date” row
STEP 1: Log into NetBenefits and click on the name of your plan on the home page
STEP 2: In the left hand navigation bar, click on “Online Statement” and run a Year-to-Date statement
STEP 3: Scroll down to “Your Contribution Summary” and enter your Before-Tax Contributions shown in the “Period to date” row
For those with balances in the Plans
STEP 1: Log into NetBenefits and click on the name of your plan on the home page
STEP 2: In the left hand navigation bar, click on “Online Statement” and run a Year-to-Date statement
STEP 3: Scroll down to “Your Contribution Summary” and enter your After-Tax Contributions shown in the “Period to date” row
STEP 1: Log into NetBenefits and click on the name of your plan on the home page
STEP 2: In the left hand navigation bar, click on “Online Statement” and run a Year-to-Date statement
STEP 3: Scroll down to “Your Contribution Summary” and enter your After-Tax Contributions shown in the “Period to date” row
For those with balances in the Plans
STEP 1: Log into NetBenefits and click on the name of your plan on the home page
STEP 2: In the left hand navigation bar, click on “Online Statement” and run a Year-to-Date statement
STEP 3: Scroll down to “Your Contribution Summary” and enter your Roth Contributions shown in the “Period to date” row
STEP 1: Log into NetBenefits and click on the name of your plan on the home page
STEP 2: In the left hand navigation bar, click on “Online Statement” and run a Year-to-Date statement
STEP 3: Scroll down to “Your Contribution Summary” and enter your Roth Contributions shown in the “Period to date” row
For those with balances in the Plans
STEP 1: Log into NetBenefits and click on the name of your plan on the home page
STEP 2: In the left hand navigation bar, click on “Online Statement” and run a Year-to-Date statement
STEP 3: Scroll down to “Your Contribution Summary” and enter the amount shown in the “Period to date” row under “Company Match”
STEP 1: Log into NetBenefits and click on the name of your plan on the home page
STEP 2: In the left hand navigation bar, click on “Online Statement” and run a Year-to-Date statement
STEP 3: Scroll down to “Your Contribution Summary” and enter the amount shown in the “Period to date” row under “Company Match”
For those with balances in the Plans
STEP 1: Log into NetBenefits and click on the name of your plan on the home page
STEP 2: In the left hand navigation bar, click on “Online Statement” and run a Year-to-Date statement
STEP 3: Scroll down to “Your Contribution Summary” and enter the amount shown in the “Period to date” row under “Catch-Up”
STEP 1: Log into NetBenefits and click on the name of your plan on the home page
STEP 2: In the left hand navigation bar, click on “Online Statement” and run a Year-to-Date statement
STEP 3: Scroll down to “Your Contribution Summary” and enter the amount shown in the “Period to date” row under “Catch-Up”
For those with balances in the Plans
STEP 1: Log into NetBenefits and click on the name of your plan on the home page
STEP 2: In the left hand navigation bar, click on “Contribution Amount”, then click on the first link under “Manage Your Contribution Amount”
STEP 3: Scroll down to see your current Before-Tax Contribution election
STEP 1: Log into NetBenefits and click on the name of your plan on the home page
STEP 2: In the left hand navigation bar, click on “Contribution Amount”, then click on the first link under “Manage Your Contribution Amount”
STEP 3: Scroll down to see your current Before-Tax Contribution election
For those with balances in the Plans
STEP 1: Log into NetBenefits and click on the name of your plan on the home page
STEP 2: In the left hand navigation bar, click on “Contribution Amount”, then click on the first link under “Manage Your Contribution Amount”
STEP 3: Scroll down to see your current Roth Contribution election
STEP 1: Log into NetBenefits and click on the name of your plan on the home page
STEP 2: In the left hand navigation bar, click on “Contribution Amount”, then click on the first link under “Manage Your Contribution Amount”
STEP 3: Scroll down to see your current Roth Contribution election
For those with balances in the Plans
STEP 1: Log into NetBenefits and click on the name of your plan on the home page
STEP 2: In the left hand navigation bar, click on “Contribution Amount”, then click on the first link under “Manage Your Contribution Amount”
STEP 3: Scroll down to see your current Catch-Up Contribution election
STEP 1: Log into NetBenefits and click on the name of your plan on the home page
STEP 2: In the left hand navigation bar, click on “Contribution Amount”, then click on the first link under “Manage Your Contribution Amount”
STEP 3: Scroll down to see your current Catch-Up Contribution election
For those with balances in the Plans
Your regular pay is defined primarily as, but not limited to, base salary, overtime and eligible commissions.
Your regular pay is defined primarily as, but not limited to, base salary, overtime and eligible commissions.
For those with balances in the Plans
our regular pay is defined primarily as, but not limited to, base salary, overtime and eligible commissions.
our regular pay is defined primarily as, but not limited to, base salary, overtime and eligible commissions.
For those with balances in the Plans
Your eligible variable pay is currently defined only as the annual bonus payment typically paid in December. Note - Other types of eligible variable pay, such as eligible quarterly bonuses and commissions, will be subject to the variable pay contribution elections in 2014 (specific date to be determined).
Your eligible variable pay is currently defined only as the annual bonus payment typically paid in December. Note - Other types of eligible variable pay, such as eligible quarterly bonuses and commissions, will be subject to the variable pay contribution elections in 2014 (specific date to be determined).
STEP 1: Log into NetBenefits and click on the name of your plan on the home page
STEP 2: In the left hand navigation bar, click on “Contribution Amount”, then click on the first link under “Manage Your Contribution Amount”
STEP 3: Scroll down to see your current After-Tax Contribution election
STEP 2: In the left hand navigation bar, click on “Contribution Amount”, then click on the first link under “Manage Your Contribution Amount”
STEP 3: Scroll down to see your current After-Tax Contribution election
You may elect to have your Before-Tax Contributions automatically switched to After-Tax Contributions once you reach the Limit on Before-Tax and Roth Contributions during the year. This is called a “Spillover election.” This allows you to continue to receive a Company Matching Contribution (even if you have not made an After-Tax Contribution election) by ensuring you continue to contribute to the Plan each pay period.