IFR Module 229 — Current vs. Alternate Savings Comparison
The question: Using the SAME dollars you're already saving, would a different savings vehicle — with different tax treatment, growth characteristics, or features — produce a better outcome over time? Enter your current strategy and an alternate strategy to compare.
Strategy Inputs
Current Strategy
Your existing savings approach
How much you currently save per month
Before taxes, gross return
For bank/taxable: annual tax drag. For deferred: tax at withdrawal.
Alternate Strategy
Recommended approach to evaluate
Same dollars — redirected
Net crediting rate or projected return
0% for Roth/LIRP (tax-free access)
Growth Comparison
Year-by-Year Comparison
Year
Cumulative Contributions
Current Strategy (After-Tax)
Alternate Strategy (After-Tax)
Difference
Strategy Insight
Disclaimer. Third-party product names and methodology names are the property of their respective owners. Reference does not imply endorsement or affiliation. This tool is the work product of Nate Cocco; the analysis is reviewed by Nate before any client recommendation.