We score how evenly your savings are spread across three tax treatments — taxable, tax-deferred, and tax-free. More balance generally means more flexibility to manage taxes in retirement.

Step by step

1. We compute each bucket's share of your total savings.
2. The score rewards balance: it is highest when the three shares are close and lowest when everything sits in one bucket.

The math

score = round(100 × (1 − (maxShare − minShare))), where shares are each bucket ÷ total.

Sources & assumptions

• A transparent balance measure (public-domain arithmetic); no external data.

Note: The score formula is fully disclosed above; it is a balance indicator, not a recommendation.

1. This is an educational measure of balance across account types, not tax or investment advice.