Roth vs Traditional IRA Calculator
Compare Roth IRA and Traditional IRA outcomes using current tax rate, expected retirement tax rate, contribution amount, age, and expected return.
Potentially better under assumptionsTraditional
Roth IRA value$682,453
Traditional IRA after-tax value$700,412
Traditional pre-tax value$897,965
| Contribution limit reference | $7,500 | |
|---|---|---|
| Tax now | 24% | |
| Tax later | 22% |
Assumptions
- Roth and Traditional comparisons depend heavily on future tax rates.
- This simplified model does not handle income eligibility, phaseouts, RMDs, or state tax.
How this calculator works
Formula used
Roth value grows after-tax dollars; Traditional value grows pre-tax dollars then applies retirement tax on withdrawal.
Example calculation
A $7,500 IRA contribution with a lower retirement tax rate may favor Traditional, while a higher future tax rate may favor Roth.
Roth vs Traditional IRA Calculator FAQ
Are these retirement and investment calculators financial advice?
No. They are educational planning tools for U.S. users and do not replace advice from a qualified financial, tax, legal, or investment professional.
Why can actual investment results be different?
Actual results can differ because market returns vary, taxes change, fees apply, inflation shifts, and account rules may limit contributions or withdrawals.