FI Contribution Optimization Calculator

This calculator helps you allocate your annual savings across Traditional 401k, Roth 401k, and Brokerage to maximize estimated after-tax wealth at retirement. It models current-year tax savings from pre-tax 401k deferrals, employer match, long-term growth, and dividend tax drag in taxable accounts. Assumptions are simplified and user-editable; this is educational, not tax advice.

Required fields are marked with *

Used to look up brackets and the standard deduction.
Optional. For context only.
Employment income that 401k deferrals reduce.
Interest, side income, etc. (taxed as ordinary income).
Qualified dividends taxed at long-term capital gains rates.
Long-term realized gains this year.
Format like "100% up to 3%; 50% of next 2%". Match dollars treated as pre-tax.
Total dollars you can save this year across all accounts.
Annualized long-run portfolio return assumption.
Used to approximate yearly dividend tax drag in taxable account.
How long your contributions can compound.
Estimated tax rate on future Traditional 401k withdrawals.
Estimated long-term capital gains rate in retirement.
We'll evaluate multiple allocation mixes and show the one that maximizes after-tax wealth at retirement.
Results are estimates for educational purposes only and do not constitute financial, tax, investment, or legal advice. Consult a qualified professional before making financial decisions.