Published January 9, 2026 | Version v4
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Benefits from American IRA and 401(k) accounts - excel file

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This Excel spreadsheet calculates the net benefit of American IRA and 401(k) accounts (vs normally taxed), and deconstructs the net into independent benefit-factors. Different sheets show how this understanding is used for various decisions. Common claims are proven false (eg. 'Profits are only tax-deferred and taxed at full rates on withdrawal', and 'Contribute to get the tax refund/reduction', and 'Your benefit depends on whether you contribute before-tax or after-tax dollars'.)

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md5:99885864ff47e5d64508aeecae23f178
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Updated
2026-01-09