Roth vs. Traditional IRA Calculator
Compare after-tax outcomes of Roth vs. Traditional IRA contributions.
About this Calculator
Choosing between a Roth and Traditional IRA depends on when you pay taxes — now or in retirement. This calculator compares both accounts side by side given the same contribution amount, showing the after-tax value at retirement for each. It accounts for your current tax rate, expected retirement tax rate, years to retirement, and expected return. For most young investors in lower tax brackets, Roth tends to win — but the math may surprise you.
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