Tax-Saving Investment Analyzer (IRA vs 401k vs Brokerage)
"Compare after-tax returns and find which account maximizes your long-term wealth."
Should you invest in a 401(k), IRA, or taxable brokerage account? This analyzer helps you compare your potential after-tax wealth based on your income, tax bracket, contribution amount, and expected returns. Instantly visualize how tax-deferred growth, employer match, and capital gains affect your total savings. These insights help you make smarter retirement and investment decisions.
Tax Rates
401(k)
$315,739
After-tax value
+$15,180 employer match
Traditional IRA
$303,595
After-tax value
Roth IRA
$288,416
After-tax value
Brokerage
Best Option$345,070
After-tax value
💡 Key Insight
Your Brokerage provides the highest after-tax value with flexibility and liquidity.
Final Value Comparison
The Best Choice Depends on Your Tax Situation
The optimal account choice depends on comparing your current tax rate with your expected retirement tax rate.
Roth IRA Advantage
Best if you expect higher taxes in retirement or want tax-free growth and withdrawals
401(k) Advantage
Ideal when you have employer match or need higher contribution limits
Traditional IRA Advantage
Good for tax deferral if you expect lower taxes in retirement
Key Formulas
Future Value = Contribution × ((1 + r)^n - 1) / r
Where r = annual return rate, n = number of years
After-Tax Value = FV × (1 - Withdrawal Tax)
For traditional accounts taxed at withdrawal
Example:
$6,000/year for 25 years at 7% = $390,000 pre-tax
→ $296,000 after 24% withdrawal tax