Tax-Deferred Savings Calculator
Calculate your potential tax-deferred savings growth, estimate retirement benefits, and optimize your investment strategy with our comprehensive calculator. Plan for a secure financial future.
Step 1: Savings Input
24%
2024 Contribution Limits
401(k): $23,000 ($30,500 age 50+). IRA: $7,000 ($8,000 age 50+). HSA: $4,150 individual, $8,300 family.
Step 2: Growth & Withdrawal
65
Tax-Deferred Benefits
Tax-deferred accounts grow faster because you don’t pay taxes on earnings each year. You pay taxes only when you withdraw, typically at a lower rate in retirement.
Tax-Deferred Savings Results
Summary
Growth Visualization
Account Comparison
Estimated Future Value
$187,420
After 20 years with 7% annual return
Total Contributions
$120,000
Tax Savings (Today)
$28,800
Total Growth
$67,420
After-Tax Value
$146,188
Savings Growth Visualization
Compounding Effect
56% of total
Inflation-Adjusted
$103,750
Annual Income @4%
$7,497
Tax Efficiency
High
Account Type Comparison
| Account Type | Contribution Limit | Tax Treatment | Withdrawal Rules |
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