Three-Bucket Investment Growth Calculator

(Based on the Money Guys concept)

About the Three-Bucket Strategy

Tax-Deferred Bucket: Traditional 401(k)s, Traditional IRAs - Tax deduction now, pay taxes in retirement
Tax-Free Bucket: Roth 401(k)s, Roth IRAs - Pay taxes now, tax-free growth and withdrawals
After Tax/Taxable Bucket: Regular brokerage accounts, savings accounts - No tax advantages, but maximum flexibility

Account Settings

[Bucket 1] Tax-Deferred Starting Balance ($) Traditional 401(k), Traditional IRA, etc.

Growth Rate (%)

[Bucket 2] Tax-Free Starting Balance ($) Roth 401(k), Roth IRA, etc.

Growth Rate (%)

[Bucket 3] Brokerage Starting Balance ($) Brokerage accounts (subject to capital gains)

Growth Rate (%)

[Bucket 3] Savings Starting Balance ($) Savings/cash accounts (not taxed in this model)

Growth Rate (%)

Compound Frequency:

Monthly Annually

Monthly compounding applies growth 12 times per year, while annual compounding applies it once per year.

Monthly Contribution Periods