Compare taxable, tax-deferred and tax-free investment growth

Investment vehicles are taxed differently. This investment growth calculator is intended to help compare a fully taxable investment to two tax advantaged situations. In one situation, an investment account is not taxed until the money is withdrawn. In the second scenario, the money is an investment that is not subject to Federal or State tax.
Savings
Current investment balance ($) 
Annual contributions ($) 
Number of years to invest 
Assumptions
Before-tax return on fully-taxable investment (%)help
Before-tax return on tax-deferred investment (%) 
Return on tax-free investment (%) 
Marginal tax bracket (%)help
Note: This information is not intended by The Guardian Life Insurance Company of America, The Guardian Insurance & Annuity Company, Inc. (GIAC), Park Avenue Securities LLC (PAS), or any of their affiliates, subsidiaries, employees or agents to be considered tax, legal or investment advice. Any rate of return entered into the calculator to project future values should be a reasonable average return for the period. Actual rates of return will vary over time. Keep in mind that it is possible to lose money and not achieve the objectives of this calculator.

The information provided here is to assist you in planning for your future. Any analysis is a result of the information you have provided. This presentation is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary, and you should consult your tax or legal advisor for guidance and information specific to your situation. The Guardian Life Insurance Company of America, GIAC, PAS and their affiliates or subsidiaries are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by this calculator.

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