Roth vs Traditional Calculator

$

The amount of income you set aside before tax.

%
%

Your marginal federal + state rate today.

%
Invest traditional tax savings?

Traditional comes out ahead by

$66,123

Roth: after-tax value at retirement
$515,756
Traditional: balance before tax
$661,226
Traditional: after paying retirement tax
$581,878
Roth yearly contribution
$5,460
Traditional upfront tax savings per year
$1,540
Roth (after tax): $515,756Traditional (after tax): $581,878
Roth (after tax)Traditional (after tax)

Simplified: uses flat marginal rates you enter and ignores contribution limits, required minimum distributions and Social Security taxation.

Open the full roth vs traditional calculator with the formula and FAQs at Calcs for Life