Investment Account Choice Simulator
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Investment Annual Gains
7.00%401k Max$18,000.00
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HSA Fund Expense Ratio
1.00%IRA Max$5,500.00
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401k Expense Ratio1.00%HSA Max$3,350.00
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IRA Expense Ratio0.10%
100% Employer Match up to
$2,000.00
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Taxable Expense Ratio
0.10%
Amount to Invest (Pretax)
15000
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FICA Tax Rate7.65%
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Effective Income Tax Rate
20.00%
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Cap Gains Tax15.00%
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Starting Year2015
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Years to Contribute20
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Yearly Contributions
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Roth 401k
Trad 401k (+Match)
Roth IRAHSATaxable
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$0.00$4,000.00$0.00$0.00$9,405.50
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YearRoth 401k Balance
Trad 401k Balance
Roth IRA BalanceHSA Balance
Taxable Account
Non-Taxable Money
Taxable Money
Taxable Gains
Total After Paying Taxes
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2015$0.00$4,000.00$0.00$0.00$9,405.50$9,405.50$4,000.00$0.00$12,605.50
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2016$0.00$8,240.00$0.00$0.00$19,459.98$18,811.00$8,240.00$648.98$25,954.63
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2017$0.00$12,734.40$0.00$0.00$30,208.22$28,216.50$12,734.40$1,991.72$40,096.98
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2018$0.00$17,498.46$0.00$0.00$41,698.09$37,622.00$17,498.46$4,076.09$55,085.44
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2019$0.00$22,548.37$0.00$0.00$53,980.75$47,027.50$22,548.37$6,953.25$70,976.46
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2020$0.00$27,901.27$0.00$0.00$67,110.92$56,433.00$27,901.27$10,677.92$87,830.26
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2021$0.00$33,575.35$0.00$0.00$81,147.08$65,838.50$33,575.35$15,308.58$105,711.07
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2022$0.00$39,589.87$0.00$0.00$96,151.73$75,244.00$39,589.87$20,907.73$124,687.47
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2023$0.00$45,965.26$0.00$0.00$112,191.70$84,649.50$45,965.26$27,542.20$144,832.58
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2024$0.00$52,723.18$0.00$0.00$129,338.42$94,055.00$52,723.18$35,283.42$166,224.45
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2025$0.00$59,886.57$0.00$0.00$147,668.27$103,460.50$59,886.57$44,207.77$188,946.36
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2026$0.00$67,479.76$0.00$0.00$167,262.89$112,866.00$67,479.76$54,396.89$213,087.16
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2027$0.00$75,528.55$0.00$0.00$188,209.52$122,271.50$75,528.55$65,938.02$238,741.66
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2028$0.00$84,060.26$0.00$0.00$210,601.48$131,677.00$84,060.26$78,924.48$266,011.02
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2029$0.00$93,103.88$0.00$0.00$234,538.48$141,082.50$93,103.88$93,455.98$295,003.19
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2030$0.00$102,690.11$0.00$0.00$260,127.14$150,488.00$102,690.11$109,639.14$325,833.36
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2031$0.00$112,851.52$0.00$0.00$287,481.41$159,893.50$112,851.52$127,587.91$358,624.44
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2032$0.00$123,622.61$0.00$0.00$316,723.13$169,299.00$123,622.61$147,424.13$393,507.60
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2033$0.00$135,039.97$0.00$0.00$347,982.53$178,704.50$135,039.97$169,278.03$430,622.80
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2034$0.00$147,142.36$0.00$0.00$381,398.82$188,110.00$147,142.36$193,288.82$470,119.39
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2035$0.00$155,970.91$0.00$0.00$407,715.34$188,110.00$155,970.91$219,605.34$499,551.26
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2036$0.00$165,329.16$0.00$0.00$435,847.70$188,110.00$165,329.16$247,737.70$530,950.37
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2037$0.00$175,248.91$0.00$0.00$465,921.19$188,110.00$175,248.91$277,811.19$564,448.64
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2038$0.00$185,763.85$0.00$0.00$498,069.75$188,110.00$185,763.85$309,959.75$600,186.86
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2039$0.00$196,909.68$0.00$0.00$532,436.56$188,110.00$196,909.68$344,326.56$638,315.32
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2040$0.00$208,724.26$0.00$0.00$569,174.69$188,110.00$208,724.26$381,064.69$678,994.39
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2041$0.00$221,247.71$0.00$0.00$608,447.74$188,110.00$221,247.71$420,337.74$722,395.25
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2042$0.00$234,522.57$0.00$0.00$650,430.63$188,110.00$234,522.57$462,320.63$768,700.60
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2043$0.00$248,593.93$0.00$0.00$695,310.35$188,110.00$248,593.93$507,200.35$818,105.44
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2044$0.00$263,509.57$0.00$0.00$743,286.76$188,110.00$263,509.57$555,176.76$870,817.90
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2045$0.00$279,320.14$0.00$0.00$794,573.55$188,110.00$279,320.14$606,463.55$927,060.13
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2046$0.00$296,079.35$0.00$0.00$849,399.12$188,110.00$296,079.35$661,289.12$987,069.23
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2047$0.00$313,844.11$0.00$0.00$908,007.66$188,110.00$313,844.11$719,897.66$1,051,098.30
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2048$0.00$332,674.75$0.00$0.00$970,660.19$188,110.00$332,674.75$782,550.19$1,119,417.46
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2049$0.00$352,635.24$0.00$0.00$1,037,635.74$188,110.00$352,635.24$849,525.74$1,192,315.07
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2050$0.00$373,793.35$0.00$0.00$1,109,232.61$188,110.00$373,793.35$921,122.61$1,270,098.90
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2051$0.00$396,220.96$0.00$0.00$1,185,769.66$188,110.00$396,220.96$997,659.66$1,353,097.47
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2052$0.00$419,994.21$0.00$0.00$1,267,587.77$188,110.00$419,994.21$1,079,477.77$1,441,661.47
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2053$0.00$445,193.87$0.00$0.00$1,355,051.32$188,110.00$445,193.87$1,166,941.32$1,536,165.22
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2054$0.00$471,905.50$0.00$0.00$1,448,549.86$188,110.00$471,905.50$1,260,439.86$1,637,008.28
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2055$0.00$500,219.83$0.00$0.00$1,548,499.80$188,110.00$500,219.83$1,360,389.80$1,744,617.19
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