Calculator
Roth vs Traditional IRA/401(k) Comparison Calculator
Traditional uses the full pre-tax contribution budget. Roth contribution is reduced by your contribution-year tax rate, and Traditional withdrawals use your withdrawal-year tax rate.
Comparison result: --
Traditional contribution: --
Roth contribution after tax: --
Early-withdrawal penalties are not modeled in net values: --
Comparison insight: --
| Year | Age | Traditional Contribution (tot) | Traditional Net Value | Roth Contribution (tot) | Roth Net Value | Roth - Traditional |
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Assumptions used: The input contribution budget is applied every year (modeled as start-of-year deposits). Contribution and withdrawal tax rates can be different. Net values are modeled as long-term distribution estimates, not immediate full liquidation values. Educational use only; this is not tax advice.
Net value interpretation: the net values shown are planning estimates for what may be available to spend if distributions are managed over multiple years at your selected effective withdrawal tax rate. They are not intended to imply that taking the full balance in a single year would face that same effective rate.
Early-withdrawal reminder (not modeled): before age 59.5, Traditional IRA/401(k) withdrawals generally face ordinary income tax plus a 10% federal penalty; Roth IRA contributions can generally be withdrawn penalty-free but early earnings are typically taxable and may incur 10%; Roth 401(k) non-qualified earnings are generally taxable and may incur 10%. Exceptions can apply.