How will a large withdrawal affect the decision? Your annual contributions Amount to contribute $   Option 1*: The above figure is the amount contributed before taxes. The actual amount saved after taxes may be less. Option 2*: The above figure is the net amount saved, after taxes. Option 3*: The above figure is the amount contributed. No taxes are calculated at the time of contribution. *See the Help tab for more details about these options. Your one-time withdrawal Age at withdrawal     Amount of withdrawal $   Withdrawal with penalty Withdrawal without penalty Your plans and assumptions Federal + state tax rate - before retirement   % Federal + state tax rate - after retirement   % Your current age     Age to begin withdrawing     Age at death     Funds you wish to leave at death $   Estimated rate of return on IRA investments   % Estimated return on other investments   %