You can obtain information about your annual salary on the SAP Corporate Portal: SAP Portal > Employee Services > Me at SAP > My Rewards > Overview tab.
Please choose either monthly, quarterly or annually.
If you do not know the exact amount of your bonus/commission payments, enter your best estimate now. Then reuse this tool once you know the exact amount to see if your results change.
Log on to your account at Vanguard.com and choose Contributions under the Plan Summary tab to find these percentages. Or you can contact a Vanguard Participant Services associate by calling HRdirect at 866-HR AT SAP. Select Option 2 for the U.S. menu options, and then press 1 to be connected to Vanguard. Vanguard Participant Services associates are available through HRdirect Monday through Friday from 8:30 a.m. to 9 p.m., Eastern time.
Log on to your account at Vanguard.com and choose Contributions under the Plan Summary tab to find this information. If you have contributed to a previous employer's retirement plan this year, enter the total amount you contributed to your previous plan plus the total you have contributed to the SAP plan to date this year.
Log on to your account at Vanguard.com and choose Contributions under the Plan Summary tab to find this amount.
Company match for the current quarter is not recorded until it is paid. For the most accurate strategy, include the amount of company match you expect to receive at the end of this quarter. The SAP company match is $0.75 for each $1 you contribute up to 6% of your semimonthly pay. The maximum company match you can receive in a year is 4.5% of your annual pay (75% of your 6% semimonthly contribution).
Catch-up contributions are available for participants nearing retirement who may require additional funding in their plans in order to meet their retirement needs. If you expect to continue making your basic contribution at the maximum level and can afford an additional contribution, catch-up contributions can be an important tool to help build your retirement nest egg.
Current tax law allows participants who are age 50 or will turn 50 by year-end and who are contributing at their current plan maximum to make additional $8,000 pre tax contribution to their plan. There is no company match on catch-up contributions.
Employees between the ages of 60 to 63 can contribute even more to their retirement plans. Under current regulations, certain highly paid individuals earning $150,000 or more in SAP FICA wages in 2025 are required to make catch-up contributions on a Roth basis. Please keep this in mind when making your selection if you plan to contribute catch-up amounts. These catch-up provisions allow the following additional contributions.
| Year | Catch-Up Contributions for Ages 50+ | Super Catch-Up Contributions for Ages 60-63 |
|---|---|---|
| 2026 | $8,000 | $11,250 |