Taxable Savings Current savings? $ Monthly savings? $ Marginal tax rate? % Tax-Deferred Savings Current savings? $ Monthly savings? $ Assumptions Evaluation period (years)? Expected rate of return? % Printer-friendly version Accumulated Savings by Year Taxable Savings Tax-Deferred Savings Total Savings Chart Table Submit The future value of your savings plan is dependent on the starting balance, additional monthly savings and the rate of return you receive on those savings. For the most accurate valuation, you will have to separate taxable accounts such as savings and CDs from your tax-deferred accounts such as 401(k)s and college 529 plans.