Based on the tax rates you input, a hypothetical investment with a before-tax return of 3.31% would net the same return as a 2.03% tax-free investment.<table class='pure-table' role='grid'><tr><th colspan='2' class='section'>Rate Information And Analysis</th></tr><tr><td>Before-tax return on savings: </td><td>3.31%</td></tr><tr><td>Less federal taxes: </td><td>-1.06%</td></tr><tr><td>Less state taxes: </td><td>0.22%</td></tr><tr><td>Plus adjustment for federal deductibility of state taxes: </td><td>0.00%</td></tr><tr><td>Equals after-tax return equivalent: </td><td>2.03%</td></tr></table> <div id="chart1Container">Chart will load here</div> <script type="text/javascript">  </script> <ul><li><a href="inv01">How should I allocate my assets?</a></li><li><a href="inv02">Compare taxable vs. tax-free investment return</a></li><li><a href="inv03">What is the value of a bond?</a></li><li><a href="inv04">What is the return on my real estate investment?</a></li><li><a href="interest-calculator">What is the value of compound interest?</a></li><li><a href="inv06">What is the value of a call or put option?</a></li><li><a href="inv07">Taxable vs. tax-advantaged savings?</a></li><li><a href="inv08">What is my risk tolerance?</a></li><li><a href="inv09">What is the long-term impact of increased investment return?</a></li><li><a href="inv10">Certificate of deposit (CD) analyzer</a></li><li><a href="what-is-the-dividend-yield-on-a-stock">What is the dividend yield on a stock?</a></li><li><a href="inv12">How do expenses impact mutual fund returns?</a></li><li><a href="certificate-of-deposit-cd-laddering-strategy">Certificate of deposit (CD) laddering strategy</a></li><li><a href="share-certificate-analyzer">Share Certificate analyzer</a></li><li><a href="share-certificate-laddering">Share Certificate laddering strategy</a></li></ul><table class='pure-table pure-table-bordered' role='grid'><tr><th scope="col">Before-Tax Return</th><th scope="col">Fully Taxable</th><th scope="col">State Tax Only</th><th scope="col">Federal Tax Only</th><th scope="col">Not Taxable</th></tr><tr><td role="rowheader" scope="row">0.31%</td><td>0.19%</td><td>0.29%</td><td>0.21%</td><td>0.31%</td></tr><tr><td role="rowheader" scope="row">1.31%</td><td>0.80%</td><td>1.22%</td><td>0.89%</td><td>1.31%</td></tr><tr><td role="rowheader" scope="row">2.31%</td><td>1.41%</td><td>2.15%</td><td>1.57%</td><td>2.31%</td></tr><tr><td role="rowheader" scope="row">3.31%</td><td>2.03%</td><td>3.09%</td><td>2.25%</td><td>3.31%</td></tr><tr><td role="rowheader" scope="row">4.31%</td><td>2.64%</td><td>4.02%</td><td>2.93%</td><td>4.31%</td></tr><tr><td role="rowheader" scope="row">5.31%</td><td>3.25%</td><td>4.95%</td><td>3.61%</td><td>5.31%</td></tr><tr><td role="rowheader" scope="row">6.31%</td><td>3.86%</td><td>5.88%</td><td>4.29%</td><td>6.31%</td></tr></table><span style="padding-bottom:2px;background-color:#eee;line-height:1.45em;border-bottom:1px dotted;border-top:1px dotted;"><span style="color:#81A41E;font-size:100%;font-weight:700;"> FINANCIAL PLANNERS</span> <span style="color:#000;font-size:100%;font-weight:normal;">– <a href="http://www.plannerportal.com" target="_PP_WINDOW">Affordable Financial Planning Software</a> – <a href="http://www.plannerportal.com" target="_PP_WINDOW">www.PlannerPortal.com</a></span>  </span>