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I am trying to decide how much to contribute to tax-deferred retirement accounts vs. pay the income tax now and save in a taxable account. If tax rates stay the same, this is a no-brainer (better to defer taxes), but I expect that tax rates wil be much higher 10, 20 or 30 years from now.

So how to calculate the best strategy? The variables are:
- current marginal tax rate
- rates of return in taxable vs non-taxable accounts
- number of years to withdrawl
- marginal tax rate when the funds are withdrawn in the future

Obviously, the future tax rates are unknown, but does anyone know of a program or spreadsheet that would allow me to pay with the variables and see under what circumstances it is better to save pre-tax or post-tax dollars?

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