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Pre-Tax (Retirement Plan) versus After-Tax Savings
This spreadsheet compares the present value of saving using tax-deductible retirement plan contributions with the present value of saving using after-tax investments.
It assumes you save and invest from current age until the age of 65.
Distributions begin at age 70.
If the "Advantage of Retirement Plan Savings" is positive, it is more advantageous to utilize tax deductible retirement plans.
If the "Advantage of Retirement Plan Savings"
is negative, it is more advantageous to utilize after-tax savings.
Are you subject to the Medicare surtax?
(Yes if MAGI is above $200,000 for single filers or $250,000 for joint filers)
Tax Rate (Federal and State)
Tax Rate in Retirement (Federal and State) on Retirement Plan Distributions
Doctor and Spouse Annual Retirement Plan Contribution Amount
Staff Annual Retirement Plan Contribution Amount
Annual Retirement Plan Administrative Cost
Save using Tax Deductible Retirement Plan
Total Annual Retirement Plan Contribution and Cost
Save using After-Tax Dollars
Annual After-Tax Amount Available to Save
Advantage (Disadvantage) of Retirement Plan Savings
*Uses Pre-Tax investment return and assumes a 30% tax on investment gains (33.8% if subject to Medicare surtax)
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