US Roth vs Traditional IRA Calculator

Compare Roth and Traditional IRA tax benefits for retirement planning. Shows tax impact today vs at retirement and which account type is better for your situation.

Account Assumptions

Current Tax Bracket (%)

Expected Retirement Tax Bracket (%)

Annual Contribution

Years to Retirement

Expected Annual Return (%)

Comparison at Retirement

Traditional IRA

Tax savings now:$1,540

Future value:$37,992

Taxes owed:- $4,559

Net at retirement:$33,433

Roth IRA

After-tax contribution:$7,000

Future value:$37,992

Taxes owed:$0

Net at retirement:$37,992

Better Option

Roth IRA

Advantage

$4,559

Note:

This comparison assumes a single annual contribution. Roth conversions, income limits, and catch-up contributions are not considered. Consult a tax advisor for personalized advice.

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