IRA Wealth Magic Calculator
Compare how the power of Tax Shells creates massive wealth gaps over your career. Find out if you are a Ram, Laxman, Hanuman, or Bharat.
Ram (Roth): Pays tax first, so his 100% growth is tax-free. Largest absolute wealth.
Hanuman (Hybrid): Starts as Laxman for 20 years for the deduction, then "pivots" via Reverse Rollover to become Ram for 20 years. Optimizes both effort and wealth.
Laxman (Traditional): Invests with pre-tax dollars. Balances is high, but the IRS takes a 25% cut at the end. Highest efficiency per dollar spent.
Bharat (Taxable): Pays tax every year on gains. The "Tax Drag" kills his compounding. Lowest wealth despite equal effort to Ram.
Results are estimates for educational purposes. Contact KIVA CPA LLC for personalized tax planning.