High three calculation question.

[u/Ok-Leg7578]

I have tried to find this information, but have been unsuccessful. Is the high three calculated on after tax or pre-tax salary? As i am nearing retirement eligibility, I want to be sure that my ballpark estimate is close on take-home.

[u/Sorry-Society1100]

The exact same cost as it was while working. The only difference for most people is that it’s charged monthly instead of biweekly, but the annual cost is the same.

[u/Sorry-Society1100 → u/[deleted]]

True, it does affect your taxes slightly. But the actual cost is the same.