Retirement calculator

Tax Diversification Score

We score how evenly your savings are spread across three tax treatments — taxable, tax-deferred, and tax-free. More balance generally means more flexibility to manage taxes in retirement.

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The method

How it works

01 We compute each bucket's share of your total savings.
02 The score rewards balance: it is highest when the three shares are close and lowest when everything sits in one bucket.

score = round(100 × (1 − (maxShare − minShare))), where shares are each bucket ÷ total.

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