Roth vs Traditional Calculator
How to compare Roth and traditional accounts
- Enter the yearly amount you would contribute before tax.
- Enter the years, return, your tax rate now and your expected tax rate in retirement.
- See which account leaves more after tax.
Frequently asked questions
What decides the winner?
Mostly the two tax rates. If your tax rate in retirement will be lower than today, traditional usually wins; if it will be higher, Roth usually wins; if they are the same, they come out equal.
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