Retirement
Roth vs Traditional IRA Calculator
Compare after-tax outcomes of a Roth vs Traditional IRA.
Your numbers
Roth value (tax-free)-
Traditional value (after tax)-
Better option-
How it works
Roth contributions are taxed now and grow tax-free; Traditional contributions are pre-tax but taxed at withdrawal. Comparing the same pre-tax dollars, Roth wins when your retirement tax rate is higher than today's.
Compare equal pre-tax dollars, taxed now vs in retirement
Estimates only, for education. See our disclaimer.