UsefulVerse
Language · English

Free to use, no account

Roth vs Traditional IRA Calculator

Compare estimated after-tax balances from the same pretax annual budget. Enter your own current and future tax rates, return and time horizon.

The same pretax budget is compared in each scenario. The Roth deposit is reduced by your current tax assumption; the traditional balance is reduced by your future withdrawal tax assumption. Contributions are modeled at each year-end.

Illustration only—not tax, investment or account advice. You enter all rates. It does not check IRA eligibility, contribution limits, deduction rules, fees, inflation, state taxes, basis, required distributions or early-withdrawal rules.

How does this Roth vs traditional IRA calculator compare accounts?

It estimates a Roth balance after the current tax rate you enter and a traditional balance after the future withdrawal tax rate you enter. Both use the same pretax annual budget and year-end contributions.

Frequently asked questions

How does this Roth vs traditional IRA calculator compare accounts?

It estimates a Roth balance after the current tax rate you enter and a traditional balance after the future withdrawal tax rate you enter. Both use the same pretax annual budget and year-end contributions.

Is my financial information uploaded?

No. The estimate runs in this browser. It does not connect to an account, tax service or investment provider.

Does the calculator use current U.S. tax brackets or IRA limits?

No. Enter the rates and annual budget yourself. It does not check eligibility, contribution limits, deductions or changing tax laws.

Why can the two estimates be equal?

With equal current and future tax rates and the same pretax budget, the simplified after-tax estimates are equal when the return and timing assumptions also match.

Does this tell me which IRA to choose?

No. It is a simplified estimate, not personalized tax or investment advice. Qualified Roth distributions and traditional IRA tax treatment depend on rules and individual circumstances; consult current IRS guidance or a qualified adviser.