Future Tax Risk Visualizer
How much of your 401(k) will the IRS actually keep?
Pre-tax retirement accounts are a bet that tax rates will be lower in the future. Run the math and see what's at stake if that bet doesn't pay off.
Your Numbers
Adjust the inputs to see how future tax rates could reshape your retirement.
401(k), Traditional IRA, 403(b)
Today's assumed bracket: 22% · Your scenario: 32%
Nest Egg Breakdown
Projected at age 65 (20 years from now)
Gross Future Value
$1,603,568
After-Tax Spendable
$1,090,426
Warning: At a +10% tax rate increase, an additional $160,357 of your hard-earned savings goes directly to the government instead of your family.
Is Your Retirement Plan Tax-Diversified?
Leaving 100% of your retirement in pre-tax accounts exposes your life savings to future tax hikes. Download our free Tax-Free Retirement Playbook to learn how strategies like IUL and Kai-Zen insulate your wealth.