Taxable vs. Tax-Free Growth Calculator
This calculator runs the same starting amount, monthly contribution, and growth rate through a taxable account and a tax-free one, so you see what you actually keep from each. Use it before opening an account, not after, since the account type changes what the same contributions become.
Taxable vs. Tax-Free Growth
The same contributions, side by side: one account taxed on its growth each year, one that isn't.
Taxable account
Tax-free / tax-deferred account
Difference
This is exactly why account type (Roth, traditional, or taxable) is its own decision, separate from what you invest in.
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Educational estimate only: assumes the taxable account's growth is taxed every year at this flat rate, which is a simplification of how real accounts and tax brackets work. Nothing is saved or sent.
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