Modeling 401-k after-tax contributions and balances


The 401-k after-tax balance should be entered into the "ROTH accounts" totals based on prior questions. This does address the tax exemption on withdrawal but does not address the taxable gains since ROTH balances are tax exempted.

For after-tax contributions, I'm assuming they are also entered on the contribution tab as "ROTH" since contributions are not tax exempt. Again, the gains on these contributions should be taxed upon withdrawal.

How accomplish a 401k close & transfer using Net Unrealized Appreciation (NUA) tax treatment

I'm planning on using the Net unrealized appreciation (NUA) tax rule when I close out my 401k in a future year.
How do I accomplish this in ESPlanner Plus?
Example situation: $130,000 value of stock in 401k, cost basis $70,000 (taxable event at transfer to taxable account ), NUA $60,000 (after 12 months taxed as Long Term Capital Gain

I've tried the following but ESP doen't appear to handle the taxs correctly:

401-K - Distinguishing Between Pre-Tax and After-Tax Contributions


For a 401-K, is there a way to differentiate (via data input) (1) the portion of a 401-K balance that is attributable to pre-tax contributions, employer matches and earnings on the account, from (2) the portion of the balance attributable to after-tax contributions? In other words, a way to enter the amount of the 401-K balance that will not be taxed upon withdrawal? Or perhaps a workaround?

Traditional vs Roth 401K


I am trying to do a simply trade between contributing to a traditional 401K versus a Roth 401K. I tried simply running two cases one with traditional contributions, then one with Roth contributions. I was looking for comparison in my reported consumption. The results didn't seem to make sense for two reasons. One, I couldn't understand what interest rate is used for regular assets when money is borrowed (negative balance) versus when money is invested (positive balance).

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