Tax Awareness

Read your estimated tax, your blended (effective) rate, and the rate your next dollar is taxed at, then see how your savings are split across pre-tax, Roth, and taxable accounts. Every figure is calculated from the numbers you enter and the bracket table you set. This is a planning estimate, not tax advice.

Your income

Gross income ($)What you earned before tax, for the year.Deductions ($)What reduces your gross to taxable income. Your taxable income is your gross minus this.

Your bracket table

This starts from a simple illustrative example — not current tax law. Replace every rate and ceiling with your own filing year and status, and verify them against the source before you rely on the result. Each rate applies only to the income inside its band. Leave the top ceiling blank for the highest band.

Table version: illustrative-synthetic-v1 · filing status single · shown for tax year 2026. Illustrative reference figures, editable above. Not current tax law.

Rate	Up to taxable ($)
%
%
%

Your account mix

Where your savings sit shapes the tax you pay later. Enter what you hold in each treatment to see the split.

Pre-tax ($)Traditional accounts you will owe tax on when you draw them.Roth ($)After-tax accounts that grow and come out tax-free under current rules.Taxable ($)Brokerage and other accounts taxed on gains as they are realized.

This tool is for educational and personal planning purposes only. It gives estimates, not tax advice, and it is not a prediction. Tax law is detailed and changes; the bracket table here is an editable, illustrative starting point, not current law, and every figure is calculated from the numbers you enter. For your actual filing, consult a qualified tax professional. We represent no figure as your true tax and promise no outcome.

Deciding whether to pay down a mortgage or invest instead? The after-tax rate matters there too. Open the Mortgage Suite.