401(k) Tax Deferral Optimizer

Model the compounding advantage of pre-tax capital allocation over a standard taxable brokerage account.

Allocation Inputs

Pre-Tax Annual Contribution ($)

IRS limit for 2024 is $23,000

Current Marginal Tax Rate (%)

Years to Compounding

Expected Annual Return (%)

Pre-Tax 401(k) Balance

Tax will be paid upon withdrawal in retirement

Taxable Brokerage Balance

Assumes initial contribution is taxed at marginal rate before investing

Gross Compounding Advantage