Traditional IRA vs Roth IRA Calculator
Compare the after-tax retirement value of Traditional IRA vs Roth IRA based on your current and expected future tax rates.
Calculation Inputs
Calculation Results
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Enter inputs on the left and click Calculate to view results.
Formula & Methodology
Roth: Contribute after-tax, grow tax-free; Traditional: Contribute pre-tax, taxed on withdrawal
If your tax rate rises in retirement, Roth wins. If it falls, Traditional wins. When unsure, Roth is often safer.
Frequently Asked Questions
Should I choose Roth or Traditional?
Roth if you expect higher taxes in retirement or are young. Traditional if you expect lower taxes. Diversifying both is a solid strategy.