
Before Tax

After Tax

Amount at Retirement

IRA excluding tax savings



IRA including tax savings



Nondeductible IRA



Roth IRA



Annual Distribution

IRA excluding tax savings



IRA including tax savings



Nondeductible IRA



Roth IRA



Total Distribution

IRA excluding tax savings



IRA including tax savings



Nondeductible IRA



Roth IRA



Note:
Deductible IRA: Contributions are deductible on your tax return, and any earnings can potentially grow taxdeferred until you withdraw them in retirement.
Nondeductible IRA: Contributions are made with aftertax money. The investment gain will not be taxed until you withdraw the money.
Roth IRA: Contribution are made with aftertax money. You do not pay tax for the investment gain when you withdraw it.
