What option is best for estate planning? 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. 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 Estimated rate of return on IRA investments % Estimated return on other investments %