Published January 9, 2026
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Benefits from American IRA and 401(k) accounts - excel file
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Description
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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(157.2 kB)
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md5:99885864ff47e5d64508aeecae23f178
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157.2 kB | Download |
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Dates
- Updated
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2026-01-09