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Roth vs Traditional IRA Calculator

Roth vs Traditional IRA Calculator. A saver enters contribution, years, growth rate, and current and future tax rates to compare estimated after-tax values. Use it when choosing between Roth and traditional contribution treatment.

Inputs

Retirement, Pension & Health Accounts inputs

Range: 0–100,000 $

Enter a non-negative US-dollar amount for the stated tax year; use the same tax year and jurisdiction for all related inputs. Professional example: 6500. Edit this value for your own facts.

Range: 1–100

Enter the count or numeric assumption in the unit stated by the label. Professional example: 25. Edit this value for your own facts.

Range: 0–100 %

Enter a percentage as a whole number, such as 22 for 22%, not 0.22. Professional example: 6. Edit this value for your own facts.

Range: 0–100 %

Enter a percentage as a whole number, such as 22 for 22%, not 0.22. Professional example: 22. Edit this value for your own facts.

Range: 0–100 %

Enter a percentage as a whole number, such as 22 for 22%, not 0.22. Professional example: 24. Edit this value for your own facts.

Result

Future Value
27,897.16
Estimate
Roth After Tax
5,070.00
Traditional After Tax
21,201.84
How to interpret this result
Roth vs Traditional IRA Calculator starts with a professional planning example for this scenario. Edit the inputs to replace the example with your own facts; the displayed outputs update from the formula.
Applicability and limits
This is a growth-and-tax-rate comparison. It does not determine contribution limits, deduction phaseouts, required distributions, state tax, or investment returns.
Calculation basis
Only the named inputs and displayed formula relationships are used. Rates, limits, thresholds, eligibility flags, dates, and jurisdiction assumptions are not silently looked up unless a verified dataset is listed.

Formula

Calculation logic

Formula definitions and substituted values.

What to check

  • A saver enters contribution, years, growth rate, and current and future tax rates to compare estimated after-tax values.
  • Use it when choosing between Roth and traditional contribution treatment.
  • This is a growth-and-tax-rate comparison. It does not determine contribution limits, deduction phaseouts, required distributions, state tax, or investment returns.

Related calculators

This is a growth-and-tax-rate comparison. It does not determine contribution limits, deduction phaseouts, required distributions, state tax, or investment returns.