Accumulation Calculator — Team Cocco Financial Planning

📊 Investment Parameters

Initial Investment ($)

Starting balance

Monthly Contribution ($)

Regular addition

Annual Contribution Increase (%)

Raise contributions each year

Gross Annual Return (%)

Before taxes and fees

Years to Accumulate

Inflation Rate (%)

For real-return calculation

🏛️ Tax Parameters

Tax Treatment

Marginal Tax Rate (%)

Federal + state combined

Capital Gains Rate (%)

Long-term cap gains rate

Annual Fees / Expense Ratio (%)

Fund fees, advisory fees, etc.

After-Tax Accumulation Value

Pre-Tax Value

Total Contributions

Total Growth

Total Taxes Paid

Pre-Tax (Gross)

After-Tax (Net Spendable)

⚠️ Tax Impact

📈 Growth Projection

Tax-Deferred: Grows tax-free, taxed at ordinary income rates on withdrawal.
Taxed Annually: Growth reduced each year by tax on gains (dividend/interest income).
Tax-Exempt: Grows and distributes tax-free (Roth IRA, municipal bonds, properly structured life insurance).
Key Insight: The tax treatment of your money matters as much as the rate of return. Always compare after-tax, after-fee results.