Savings

Roth vs Traditional IRA Calculator

Compare simplified Roth and Traditional retirement contribution outcomes using tax rate and return assumptions.

Contribution amount

Years invested

Annual return estimate

Current tax rate

Retirement tax rate

Roth estimated future value

$35,278

Assumes the entered contribution is made after tax.

Traditional after-tax value

$28,928

$1,430 estimated current-year tax savings before considering reinvestment.

Formula, assumptions, and limits

Formula used

The calculator grows the entered contribution by the annual return assumption, then applies the entered retirement tax rate to the Traditional estimate.

Important limits

This is a simplified estimate. It does not include contribution limits, eligibility, required distributions, state taxes, early withdrawals, or reinvested tax savings.

Eerns calculators are for educational estimates only and are not financial, tax, legal, or investment advice. Results depend on the information entered and may not reflect a full situation.

How to use it

Use this calculator to compare a Roth-style after-tax contribution with a Traditional-style pre-tax contribution after estimated retirement tax.

Calculation method

The calculator grows the entered contribution by the annual return assumption, then applies the entered retirement tax rate to the Traditional estimate.

Important limitation

This is a simplified estimate. It does not include contribution limits, eligibility, required distributions, state taxes, early withdrawals, or reinvested tax savings.

Example scenario

A $6,500 contribution invested for 25 years can be compared under different current and retirement tax rate assumptions.

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Common questions

Frequently asked questions

Does this decide which account is better?

No. It only compares simplified assumptions. Account choice can depend on eligibility, tax rates, income, retirement timing, and other planning details.

Does this include reinvested tax savings?

No. It shows current tax savings separately but does not assume those savings are invested.

Why do tax rates matter?

Roth contributions are generally after-tax, while Traditional withdrawals may be taxed later. The assumed tax rates can change the comparison.

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