Tax-Efficient Budgeting Strategy Tool
Your Financial Snapshot & Goals
This amount will be allocated across accounts in Tab 3.
Before taxes and fees.
Your Estimated Tax Assumptions
Enter your best estimates for these rates. These are simplified and for illustrative purposes only. This tool does not provide tax advice.
Rate for deductions and taxing ordinary income withdrawals from tax-deferred accounts.
Average rate for capital gains, dividends in taxable accounts. Applied annually to growth in this model.
If blank, Marginal Income Tax Rate will be used.
Your Savings Allocation Strategy
Allocate your total annual savings (from Tab 1) across these generic account types. Percentages must sum to 100%.
E.g., Traditional 401(k)/IRA. Contributions may lower current taxable income. Withdrawals typically taxed as income.
E.g., Roth 401(k)/IRA, TFSA (Canada), ISA (UK). Qualified withdrawals are typically tax-free.
E.g., Brokerage account. Investment income (dividends, capital gains) typically taxed.
Total Allocated: 100%
Budgeting Impact & Projections
Scenario 1: Your Chosen Allocation Strategy
| Account Type | Total Contributed ($) | Total Growth ($) | Est. Tax Impact ($) | End Value (Net) ($) |
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Scenario 2: Baseline (All Savings in Taxable Account)
| Account Type | Total Contributed ($) | Total Growth ($) | Est. Tax Impact ($) | End Value (Net) ($) |
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