Taxable vs. Tax-Deferred vs. After-Tax Comparison Tool

Analyze how Entry Tax Rate (Y-axis) and Exit Tax Rate (X-axis) impact compounding returns across account types.

Investment Parameters

Initial Income Invested ($)

Annual Rate of Return (%)

Number of Years Invested

Tax Brackets

Entry Tax Rate (Ordinary)

Exit Tax Rate (Ordinary)

Exit Tax Rate (Capital Gains)

Scenario Explorer

Context & Persona

Adjust parameters directly, or select a preset above to see how tax timing impacts real-world savings, investment, and withdrawal decisions.

Strategic Takeaway

Compare entry and exit tax rates to evaluate the financial tradeoffs between Taxable liquidity, Tax-Deferred deductions, and After-Tax growth.

Benchmark

Tax-Free

e.g. HSA (qualified) / QSBS

Net Return: 0% (Entry: 0%, Exit: 0%)

After-Tax

e.g. Roth IRA / 401k

Net Return: 0% (Entry Ordinary: 0%, Exit: 0%)

Tax-Deferred

e.g. Traditional IRA / 401k

Net Return: 0% (Entry: 0%, Exit Ordinary: 0%)

Taxable

e.g. Brokerage account

Net Return: 0% (Entry: 0%, Exit Cap Gains: 0%)

Net Compounded Value ($)

Tax-Free (0% / 0%)

Selected After-Tax

Selected Tax-Deferred

Selected Taxable

Net Compounded Return (%)