🇺🇸 United States

Roth vs Traditional IRA Calculator

Compare the projected after-tax value at retirement — Traditional (tax-deferred now, taxed later) vs Roth (taxed now, tax-free later).

Annual contribution ($)

Years until retirement

Expected annual return (%)

Your current marginal tax rate (%)

Expected tax rate in retirement (%)

If you expect a lower tax rate in retirement, Traditional often wins. If similar or higher, Roth often wins.

Enter your details and click "Compare" to see projected after-tax values.