Avanti Alliance

Retirement Calculator

Compare a traditional 401(k) side by side with an Indexing Strategy — accumulation, distribution, and lifetime income.

401(k) Calculator

Tax-deferred growth with employer matching. Withdrawals are taxed as ordinary income.

Accumulation Phase

Current 401(k) Balance

Your Annual Contribution

Employer’s Matching Contribution

Years to Retirement

Investment Return Rate

Balance at Retirement —

Distribution Phase

Balance at Retirement (auto-filled)

Investment Return Rate

Years to Pay Out

Income Tax Rate

Annual Payout Amount —

Minus Taxes —

Annual Post-Tax Amount —

Indexing Strategy

Credited returns linked to a market index with a 0% floor — growth without direct market loss. Often tax-advantaged.

Accumulation Phase

Current Balance

Your Annual Contribution

Employer’s Matching Contribution (not applicable)

Years to Retirement

Credited Return Rate (0% floor — enter your rate)

Balance at Retirement —

Distribution Phase

Balance at Retirement (auto-filled)

Investment Return Rate

Years to Pay Out

Income Tax Rate (often 0% — tax-advantaged distributions)

Annual Payout Amount —

Minus Taxes —

Annual Post-Tax Amount —

Side-by-Side Comparison

Enter your numbers and hit Calculate to see how the two strategies stack up.

401(k) Balance at Retirement

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Indexing Balance at Retirement

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Retirement Balance Difference

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401(k) Annual Post-Tax Income

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Indexing Annual Post-Tax Income

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Annual Income Difference

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