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Credentialed Toolbox

Financial Tools and Guidance for Credentialed Employees

Whether you serve as a pastor, church staff member, Christian nonprofit employee, or Christian university employee, these resources were created with you in mind. The Credentialed Employee’s Toolbox brings together the education, calculators, and guides you need to steward your resources wisely and face tomorrow with peace of mind. Rooted in faith-based financial planning and Christian financial guidance, they help you make confident, God-honoring decisions at every stage of your journey.

Resources to Help You Plan With Confidence


Browse by the area that matters most to you right now:

Retirement Resources

Plan for a secure and blessed future.

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Compensation Planning

Understand your salary, benefits, and housing.

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Tax Resources

File with clarity and confidence.

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Personal Finance

Make wise money decisions today.

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Retirement Resources

Planning for retirement involves many important decisions, and you don’t have to make them alone. We’ve gathered a comprehensive set of tools for Christian retirement planning, everything from Social Security questions to IRA options and investment strategies. Explore our calculators, videos, articles, and easy-to-use worksheets, all designed to guide you toward a secure and blessed future with biblical wisdom.

Calculators


How Important is Social Security?

Use this calculator to determine how losing this important retirement asset could affect you.

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Roth Contributions Within Your Retirement Plan

Use this calculator to help compare how each type of contribution (Roth “after-tax” contributions vs traditional “before-tax” contributions) might affect your paycheck and your taxable situation at retirement.

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Roth 403(b) vs Traditional 403(b)

Use this calculator to help determine the best option for your retirement: Roth “after-tax” contributions or traditional “before-tax” contributions.

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Investment Savings and Distributions

Use this calculator to see how long your investment savings can last once you begin taking retirement distributions.

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Retirement Wellness Planner

We have a special program just for you.

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Videos and Articles


early investment retirement benefits

Early Investment Benefits

Brief video explaining the importance and benefits of saving for retirement early in your career.
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discussing estate planning

Utilizing Trusts in Estate Planning

Setting up a trust can offer significant benefits like avoiding probate, protecting loved ones, and supporting ministry causes. Trusts are accessible to people at all income levels and offer more privacy and control than wills, with specialized options for charitable giving and special needs care.
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minister's glasses resting on documents

Can Ministers Opt Out of Social Security?

Informational sheet explaining the best way to handle Social Security as a minister.
Read more

Resources


retirement planning cover

Retirement Planning

A booklet full of practical tools, including the “Saving for Retirement Worksheet,” the “Retirement Countdown Checklist,” and details on our Financial Roadmap.

Download the Booklet
retirement decisions cover

Retirement Decisions

A workbook to help you select the right distribution option on your road to retirement.

Download the Workbook
strategies for success cover

Strategies for Success

Our retirement education and planning booklet for the Servant Solutions Retirement Plan. Also available in Spanish: edición en español.

Download the Booklet
saving for retirement worksheet

Saving for Retirement Worksheet

Estimate your annual retirement income from the retirement plan, Social Security, and personal savings.

Download the Worksheet
live free cover

Live Free: Seven Steps to Financial Freedom

A practical guide to financial freedom for ministers. Also available in Spanish — edición en español.

Download the Guide
eight essentials of retirement planning for ministers and churches cover

Eight Essentials of Retirement Planning for Ministers and Churches

This eBook outlines the shared roles of the church and the minister, with best practices for planning a minister’s retirement.

Read the e-Book
finishing well cover

Finishing Well: Continuing to Make a Difference

Walking alongside pastors during their transition from ministry to retirement and beyond.

Read the Booklet

Compensation Planning

Understanding your compensation and benefits should be exciting and easy. Your church will provide you with your salary and benefit package, which could include a church-funded medical plan, life and disability insurance, and contributions into your Servant Solutions Retirement Plan account, etc. Our biblical financial advisors will help you make sense of it all, including confusing ministry-related expenses with your actual pay. Explore the resources below, or reach out anytime.

resources


compensation planning cover

Compensation Planning Guide

An eight-page guide to help you and your church leaders plan proper compensation for ministry personnel.

Download the Guide
compensation resources

Compensation Resources and Worksheets

Free worksheets and tools to help structure fair, well-organized compensation for your entire team.

Access the Resources

Articles


person calculating their taxes at home

Is a Housing Allowance Taxable?

Detailed answers to the most frequently asked questions about the Minister’s Housing Allowance and taxes.
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open Bible next to laptop

Health Reimbursement Arrangements

Understand the 21st Century Cures Act and the criteria for offering a QSEHRA plan.
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person driving at sunset

Auto and Other Business Expense Reimbursements

Learn the tax rules for handling business expense reimbursements correctly.
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money stacked on tabletop

Healthcare Resources and Considerations for Churches

Discover health insurance options, whether you’re a benefits coordinator or a single-employee organization managing your own coverage.
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board room

Strategies for Structuring Ministerial Compensation

An all-inclusive resource with ideas for structuring ministerial compensation wisely.
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pastor speaking at event

The Minister’s Housing Allowance

An informational sheet explaining the tax benefits available when part of your compensation comes as housing allowance.
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Tax Resources

Filing taxes as a minister, ministry, or mission-based employee can feel daunting, and we understand why. That’s why we’ve gathered these resources to bring clarity, from reporting retirement income received through Servant Solutions to handling your housing allowance and Social Security with confidence.

Resources


minister's taxes made easy

Ministers' Taxes Made Easy

Clear, concise, and reliable help for clergy income taxes.

Download the Guide
church and nonprofit tax guide

Church & Nonprofit Tax Guide

An easy-to-use guide to church and nonprofit taxes and finance.

Download the Guide
Form 1099-R Tax Filing Information

Form 1099-R Tax Filing Information

An informational sheet explaining how to report retirement income you received from Servant Solutions.

Download the Document

Articles


person calculating their taxes at home

Is a Housing Allowance Taxable?

Detailed answers to the most frequently asked questions about the Minister’s Housing Allowance and taxes.
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newspaper

Who Is a Minister for Tax Purposes?

A clear explanation of how the IRS determines who qualifies as a minister for tax purposes.
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notes with pencil on table

Form 1099-MISC and Form 1099-NEC Information

Details on who should be issued a Form 1099 and why.
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Minimizing Income Taxes for Church Employees

Helpful guidance on structuring your compensation for the best income tax benefits.
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Saver’s Tax Credit

The IRS Retirement Savings Contributions Credit rewards eligible taxpayers who save through a qualified workplace plan or a traditional or Roth IRA.
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pastor speaking at event

The Minister’s Housing Allowance

An informational sheet explaining the tax benefits available when part of your compensation comes as housing allowance.
Read more
minister's glasses resting on documents

Can Ministers Opt Out of Social Security?

Informational sheet explaining the best way to handle Social Security as a minister.
Read more

Personal Finance

The choices you make today impact the quality of your financial life tomorrow, and Servant Solutions wants to help you plan wisely for the future. Take advantage of our useful resources, including calculators to help determine investment savings and distributions, mortgage amortization, and debt elimination.

Resources


live free cover

Live Free: Seven Steps to Financial Freedom

A practical guide to financial freedom for ministers. Also available in Spanish: edición en español.

Download the Guide

Milestones

A package of planning documents available at no additional cost to members of the Servant Solutions Retirement Plan.

Go to Milestones

Enrich

Tools to help you make money decisions today while preparing for tomorrow.

Go to Enrich

Mortgage Loan Calculator (PITI)

Estimate your monthly mortgage payment: principal, interest, taxes, and insurance along with a full amortization schedule.

Open calculator

Investment Savings & Distributions

See how long your investment savings can last once you begin taking retirement distributions.

Open calculator

Mortgage Loan Calculator (PITI)

Estimate your monthly mortgage payment: principal, interest, taxes, and insurance along with a full amortization schedule.

**The Toolbox series is provided to assist members and is not intended as specific tax or legal advice. Please contact your local accounting and legal advisors for specific guidance.