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Investments & Markets · Tax-Smart Investing

Taxable vs. Tax-Deferred vs. Tax-Free Calculator

Compare the after-tax growth of a taxable, a tax-deferred, and a tax-free (Roth) account side by side.

  • Free to use here · embed on the Business plan
  • 6 inputs · 5 results
  • English & Spanish

Try the Taxable vs. Tax-Deferred vs. Tax-Free Calculator

See which account leaves you the most — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the Taxable vs. Tax-Deferred vs. Tax-Free calculator works out

The Taxable vs. Tax-Deferred vs. Tax-Free Calculator is a free, embeddable calculator from CalcFunnel. Compare the after-tax growth of a taxable, a tax-deferred, and a tax-free (Roth) account side by side.

You enter 6 inputs: initial investment, annual contribution, years, annual return (%), tax rate now (%) and tax rate at withdrawal (%).

It returns tax-free (After tax), tax-deferred (After tax), taxable (After tax), tax-free advantage vs taxable and total contributions.

Built for wealth managers and RIAs. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Investments & Markets category.

Results it shows

  1. 01Tax-Free (After Tax)
  2. 02Tax-Deferred (After Tax)
  3. 03Taxable (After Tax)
  4. 04Tax-Free Advantage vs Taxable
  5. 05Total Contributions

The first figure — tax-free (after tax) — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Investment

Initial Investment
The amount you start with.
Annual Contribution
How much you add each year.
Years
How long the money grows.

Return & Taxes

Annual Return (%)
The pre-tax annual rate of return.
Tax Rate Now (%)
Your marginal tax rate applied to taxable-account returns each year.
Tax Rate at Withdrawal (%)
The rate applied to the tax-deferred account's gains when you withdraw.

For your website

Embed this calculator on your website

Put the Taxable vs. Tax-Deferred vs. Tax-Free Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Taxable vs. Tax-Deferred vs. Tax-Free calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Taxable vs. Tax-Deferred vs. Tax-Free Calculator calculate?
Compare the after-tax growth of a taxable, a tax-deferred, and a tax-free (Roth) account side by side. It returns tax-free (After tax), tax-deferred (After tax), taxable (After tax), tax-free advantage vs taxable and total contributions.
Q.02What information do I need to use the Taxable vs. Tax-Deferred vs. Tax-Free Calculator?
You enter 6 inputs: initial investment, annual contribution, years, annual return (%), tax rate now (%) and tax rate at withdrawal (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Initial Investment” mean in the Taxable vs. Tax-Deferred vs. Tax-Free Calculator?
The amount you start with.
Q.04What does “Annual Contribution” mean in the Taxable vs. Tax-Deferred vs. Tax-Free Calculator?
How much you add each year.
Q.05Is the Taxable vs. Tax-Deferred vs. Tax-Free Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Investments & Markets category. Compare plans.
Q.06Can I embed the Taxable vs. Tax-Deferred vs. Tax-Free Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Taxable vs. Tax-Deferred vs. Tax-Free Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Taxable vs. Tax-Deferred vs. Tax-Free results financial advice?
No. Estimates only. Assumes after-tax contributions, taxes on the taxable account paid annually from returns, tax on the tax-deferred account's gains at withdrawal, and no tax on the tax-free account. Your situation may differ.

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