Retirement Tax Impact

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Retirement with Tax Impact

Estimate after-tax retirement income across pre-tax (Traditional), after-tax (brokerage), and Roth accounts.

Inputs

Pre-tax balance (401k/IRA) ($)

After-tax savings (brokerage) ($)

Roth balance ($)

Annual return (%)

Years until retirement

Years in retirement

Retirement tax rate (%)

Capital gains rate (%)

Results

After-tax annual income

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Total nest egg

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Pre-tax income (Traditional)

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After-tax income (brokerage)

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Roth income (tax-free)

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Tax drag vs pre-tax only

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Simplified view. Actual taxes depend on filing status, deductions, Social Security provisional income rules, state tax, and sequencing of withdrawals. Brokerage gains are taxed at the long-term capital gains rate assuming full basis recovery is proportional.