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Optimize Tax Efficient Investment

Plan your retirement with optimal tax-advantaged account allocation and growth projections

Your Information

401(k) Employer Match

HSA Eligibility

Investment Timeline

Projected Portfolio Value
$0
in 30 years at 7% annual return

Annual & Monthly Contributions

Your Monthly Total
$0
Your Annual Total
$0
Employer Annual Match
$0
Total Annual Savings
$0

Contribution Breakdown by Percentage

Projected Value by Account Type

Growth Trajectory

Investment Priority Order

  1. 401(k) up to match - Never leave free money on the table
  2. Maximize HSA - Triple tax advantage (if eligible)
  3. Maximize IRA - Tax-advantaged growth
  4. Maximize 401(k) - Additional tax-deferred space
  5. Brokerage Account - Taxable but flexible

2026 Contribution Limits

Assumptions & Limitations

Monthly compounding — Growth projections use beginning-of-period monthly compounding. The growth trajectory chart uses annual compounding; totals will differ slightly.
Fixed contribution limits — 2026 IRS limits are used for all projected years. Actual limits adjust for inflation annually.
Fixed return rate — A constant annual return is assumed across all years. Actual returns vary year to year.
Single-tier employer match — Only one match rate and salary cap are modeled. Some plans use tiered matching formulas.
No IRA phase-outs — Income-based Roth IRA eligibility limits and Traditional IRA deductibility phase-outs are not applied.
No catch-up contributions — Age 50+ catch-up limits for 401(k) and IRA are not included.
No Mega Backdoor Roth — After-tax 401(k) contributions and in-plan Roth conversions are not modeled.
No state taxes — Only federal tax treatment is considered.