Taxable vs Tax-Advantaged Savings Calculator
Where should your next dollar of savings go? Compare HYSA, Roth IRA, Traditional 401(k) with employer match, and municipal bonds — after-tax future value over your time horizon.
Your Savings Plan
Recommendation
Max out 401(k) match first — it's free money.
After-Tax Future Value Comparison
| Account | Contributions | Future Value | After-Tax Value | Tax Paid |
|---|---|---|---|---|
| HYSA / CD | $300,000 | $670,582 | $670,582 | $0 |
| Roth IRA | $300,000 | $944,608 | $944,608 | $0 |
| Traditional 401(k) with match | $484,740 | $1,526,297 | $1,101,986 | $424,311 |
| Municipal Bonds | $300,000 | $693,629 | $693,629 | $0 |
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