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Taxed vs. Tax-Deferred Savings
Over time, the value of a taxed savings plan can differ significantly from the value of a tax-deferred savings plan.
Enter the following information and compare the differences.
Monthly contribution amount
Year(s) to save
Annual rate of return
Average income tax rate
 
Savings value in 20 year(s)
Taxed savings* $81,897
Tax-deferred savings** $106,753
 
*Assumes monthly saving is taxed before you invest.
** Assumes the entire lump sum is taxed at the end of 20 year(s).

Note: This illustration is hypothetical and doesn't represent rates of return for any specific investment. Withdrawals prior to age 59 1/2, may be subject to income tax, including a 10% penalty.

  Done

These calculators are provided only as general self-help tools. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances. These tools are not offers, representations or warranties by any member companies of The Principal Financial Group®, and do not describe any specific products or services they offer. Before you use these tools, please read this important information.