Retirement

Tax-Deferred Analysis Calculator

Compare the long-term value of tax-deferred accounts versus taxable investing. See how deferring taxes on contributions and growth compounds into a meaningful advantage over time.

Annual Contribution

Current Tax Rate

Retirement Tax Rate

Years of Growth

Expected Annual Return

Tax-Deferred Advantage

+$81,995

over a taxable account after 25 years

Tax-Deferred (after tax)

$367,138

Taxable Account

$285,143

Upfront Tax Savings

$39,000

Account Growth Over Time

Compares tax-deferred (after estimated withdrawal tax) vs. taxable account value.

Age & Timeline

Current Age

Retirement Age

Estimated Lifespan

Tax Rates

Current Tax Rate

Retirement Tax Rate

Contributions & Returns

Annual Pre-Tax Contribution

Roth IRA equivalent: $16,100

Retirement Distribution Rate

Annual withdrawal rate of balance

Pre-Retirement Return

Post-Retirement Return

Note: Traditional IRA RMDs begin at age 73 and are factored into distributions. Roth IRAs have no RMD requirements.

Traditional IRA

•Contributions are pre-tax (reduce current taxable income)
•Investment growth is tax-deferred
•Withdrawals are taxed as ordinary income
•Required Minimum Distributions (RMDs) begin at age 73

Roth IRA

•Contributions are after-tax (no current tax benefit)
•Investment growth is tax-free
•Qualified withdrawals are completely tax-free
•No Required Minimum Distributions during lifetime

Estimated Traditional IRA Lifetime Advantage

$198,934

Lifetime spendable value difference of $198,934

Upfront tax savings

$241,500

Traditional at Retirement

$3,402,010

Roth at Retirement

$2,381,407

Traditional at 95

$2,051,909

Roth at 95

$2,203,604

Traditional IRA vs Roth IRA Balance

Shows account balances over time. Retirement and RMD start ages are marked.

Traditional IRA Net Value

Net Distributions After Tax:$4,419,655

Remaining Balance (net of taxes):$1,538,932

Total Est. After-Tax Value:$5,958,586

Roth IRA Net Value

Net Distributions (Tax-Free):$3,556,048

Remaining Balance:$2,203,604

Total Est. After-Tax Value:$5,759,653

Annual Cash Flows — Traditional IRA

Age	RMD	Starting Bal.	Contribution	5% Dist.	RMD Excess	Growth	Ending Bal.
30	—	$0	$23,000	—	—	$1,610	$24,610
31	—	$24,610	$23,000	—	—	$3,333	$50,943
32	—	$50,943	$23,000	—	—	$5,176	$79,119
33	—	$79,119	$23,000	—	—	$7,148	$109,267
34	—	$109,267	$23,000	—	—	$9,259	$141,526
35	—	$141,526	$23,000	—	—	$11,517	$176,042
36	—	$176,042	$23,000	—	—	$13,933	$212,975
37	—	$212,975	$23,000	—	—	$16,518	$252,494
38	—	$252,494	$23,000	—	—	$19,285	$294,778
39	—	$294,778	$23,000	—	—	$22,244	$340,023
40	—	$340,023	$23,000	—	—	$25,412	$388,434
41	—	$388,434	$23,000	—	—	$28,800	$440,235
42	—	$440,235	$23,000	—	—	$32,426	$495,661
43	—	$495,661	$23,000	—	—	$36,306	$554,968
44	—	$554,968	$23,000	—	—	$40,458	$618,425
45	—	$618,425	$23,000	—	—	$44,900	$686,325
46	—	$686,325	$23,000	—	—	$49,653	$758,978
47	—	$758,978	$23,000	—	—	$54,738	$836,716
48	—	$836,716	$23,000	—	—	$60,180	$919,896
49	—	$919,896	$23,000	—	—	$66,003	$1,008,899
50	—	$1,008,899	$23,000	—	—	$72,233	$1,104,132
51	—	$1,104,132	$23,000	—	—	$78,899	$1,206,031
52	—	$1,206,031	$23,000	—	—	$86,032	$1,315,063
53	—	$1,315,063	$23,000	—	—	$93,664	$1,431,728
54	—	$1,431,728	$23,000	—	—	$101,831	$1,556,559
55	—	$1,556,559	$23,000	—	—	$110,569	$1,690,128
56	—	$1,690,128	$23,000	—	—	$119,919	$1,833,047
57	—	$1,833,047	$23,000	—	—	$129,923	$1,985,970
58	—	$1,985,970	$23,000	—	—	$140,628	$2,149,598
59	—	$2,149,598	$23,000	—	—	$152,082	$2,324,680
60	—	$2,324,680	$23,000	—	—	$164,338	$2,512,018
61	—	$2,512,018	$23,000	—	—	$177,451	$2,712,469
62	—	$2,712,469	$23,000	—	—	$191,483	$2,926,952
63	—	$2,926,952	$23,000	—	—	$206,497	$3,156,448
64	—	$3,156,448	$23,000	—	—	$222,561	$3,402,010
65	—	$3,402,010	—	($170,100)	—	$161,595	$3,393,505
66	—	$3,393,505	—	($169,675)	—	$161,191	$3,385,021
67	—	$3,385,021	—	($169,251)	—	$160,788	$3,376,558
68	—	$3,376,558	—	($168,828)	—	$160,387	$3,368,117
69	—	$3,368,117	—	($168,406)	—	$159,986	$3,359,697
70	—	$3,359,697	—	($167,985)	—	$159,586	$3,351,297
71	—	$3,351,297	—	($167,565)	—	$159,187	$3,342,919
72	—	$3,342,919	—	($167,146)	—	$158,789	$3,334,562
73	$125,833	$3,334,562	—	($166,728)	—	$158,392	$3,326,225
74	$130,440	$3,326,225	—	($166,311)	—	$157,996	$3,317,910
75	$134,874	$3,317,910	—	($165,895)	—	$157,601	$3,309,615
76	$139,646	$3,309,615	—	($165,481)	—	$157,207	$3,301,341
77	$144,163	$3,301,341	—	($165,067)	—	$156,814	$3,293,088
78	$149,686	$3,293,088	—	($164,654)	—	$156,422	$3,284,855
79	$155,680	$3,284,855	—	($164,243)	—	$156,031	$3,276,643
80	$162,210	$3,276,643	—	($163,832)	—	$155,641	$3,268,451
81	$168,477	$3,268,451	—	($163,423)	($5,054)	$154,999	$3,254,973
82	$175,944	$3,254,973	—	($162,749)	($13,196)	$153,951	$3,232,980
83	$182,654	$3,232,980	—	($161,649)	($21,005)	$152,516	$3,202,842
84	$190,645	$3,202,842	—	($160,142)	($30,503)	$150,610	$3,162,806
85	$197,675	$3,162,806	—	($158,140)	($39,535)	$148,257	$3,113,388
86	$204,828	$3,113,388	—	($155,669)	($49,159)	$145,428	$3,053,987
87	$212,082	$3,053,987	—	($152,699)	($59,383)	$142,095	$2,984,000
88	$217,810	$2,984,000	—	($149,200)	($68,610)	$138,310	$2,904,500
89	$225,155	$2,904,500	—	($145,225)	($79,930)	$133,967	$2,813,312
90	$230,599	$2,813,312	—	($140,666)	($89,934)	$129,136	$2,711,848
91	$235,813	$2,711,848	—	($135,592)	($100,220)	$123,802	$2,599,837
92	$240,726	$2,599,837	—	($129,992)	($110,734)	$117,956	$2,477,067
93	$245,254	$2,477,067	—	($123,853)	($121,401)	$111,591	$2,343,403
94	$246,674	$2,343,403	—	($117,170)	($129,504)	$104,836	$2,201,566
95	$247,367	$2,201,566	—	($110,078)	($137,289)	$97,710	$2,051,909

Shaded rows indicate retirement years. RMD Excess shows the additional distribution required when RMD exceeds the 5% withdrawal rate.

About This Analysis

This calculator provides estimates based on the inputs you supply. It assumes standard amortization and does not account for taxes, insurance, PMI, prepayment penalties, or the opportunity cost of funds. Results are for informational and educational purposes only and should not be considered financial advice. Consult a qualified professional before making financial decisions.

·Does not account for income limits, phase-outs, or catch-up contributions.
·Assumes constant tax rates; actual rates may vary over time.
·RMD calculations use the IRS Uniform Lifetime Table.

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