Savers

Take control of your financial future

New York Secure Choice is a flexible, secure, and simple way to save for retirement with every paycheck

Strengthen your future with New York Secure Choice

The New York State Secure Choice Savings Program (New York Secure Choice) is a retirement savings program for private-sector employees who don't have access to a retirement plan at work. This program provides a simple way to invest in your future: contributions are deducted from each of your paychecks and deposited into a Roth Individual Retirement Account (IRA)—automatically!

Your monthly investment could grow into significant savings over time

Use our retirement calculator to see what your financial future could look like.

It’s voluntary

After your employer adds you to the program, you can stay automatically enrolled or opt out and re-enroll at any time.

It's flexible

You decide how much to contribute from your paycheck.

It’s your money

You can withdraw your contributions at any time without tax or penalty.

It's easy

New York Secure Choice offers tools and resources to help you maximize your savings in retirement and reach your financial goals.

It's your account

Your Roth IRA and savings stay with you, even if you change jobs.

It’s smart

The earlier you start saving, the more potential for your money to grow. You can elect to automatically increase your contribution rate by one percent each year until it reaches 10% of your total pay (wages before taxes and other deductions).

Saving for retirement is easier than ever. Start saving for your future today.

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