Tax-Optimization Calculator
Compare retirement account types to maximize long-term wealth
Source: IRS Revenue Procedure 2024-40
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Your current annual income before taxes Your current federal income tax bracket
Expected tax bracket during retirement
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Amount you plan to invest each year How many years until you plan to retire
Average annual investment return before taxes
Your state income tax rate (0 if no state income tax)
Account Comparison Results
Traditional 401(k)
$0
Roth IRA
$0
Taxable Account
$0
Optimal Investment Strategy
Your Recommended Strategy:
Based on your inputs, we’ll calculate the most tax-efficient approach.
This calculator is for educational purposes only. It is not financial advice. Please consult with a qualified financial professional before making important financial decisions.