Calculate whether a voluntary SUI contribution will save money over the next 3 years. Enter your current rate, the reduced rate you would achieve, and the VC amount required.
Most states allow employers to make voluntary payments into their state unemployment insurance account above and beyond required contributions. This increases the account balance, improves the reserve ratio, and can lower the assigned SUI experience rate for the following year.
The key question: will the voluntary contribution move you from one rate bracket to a lower one? If the contribution is not large enough to cross the bracket threshold, the rate stays the same and the payment provides no benefit. You need the state's rate table to determine the exact VC amount needed.
39 states allow voluntary contributions. Deadlines are typically January 31 (with some states using November 30 or other dates). Missing the deadline means waiting another year for the rate reduction.
Upload your rate notice, connect payroll, and Kreto tells you exactly whether a voluntary contribution is worth making — with the specific bracket amount.
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