Roth vs Traditional Calculator
Should you contribute to a Roth or Traditional retirement account? Compare the after-tax outcomes based on your current tax rate, expected retirement tax rate, contribution amount, and time horizon.
Inputs
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Results
Roth Balance (Tax-Free)
$473,735
Traditional (After Tax)
$369,514
Advantage
Roth by $104,222
Tax Savings Now (Traditional)
$42,000
After-Tax Balance Over Time
Final Comparison
Year-by-Year Comparison
| Year | Roth Balance | Traditional (Pre-Tax) | Traditional (After Tax) |
|---|---|---|---|
| 1 | $7,490.00 | $7,490.00 | $5,842.20 |
| 2 | $15,504.30 | $15,504.30 | $12,093.35 |
| 3 | $24,079.60 | $24,079.60 | $18,782.09 |
| 4 | $33,255.17 | $33,255.17 | $25,939.03 |
| 5 | $43,073.04 | $43,073.04 | $33,596.97 |
| 6 | $53,578.15 | $53,578.15 | $41,790.96 |
| 7 | $64,818.62 | $64,818.62 | $50,558.52 |
| 8 | $76,845.92 | $76,845.92 | $59,939.82 |
| 9 | $89,715.14 | $89,715.14 | $69,977.81 |
| 10 | $103,485.20 | $103,485.20 | $80,718.45 |
| 11 | $118,219.16 | $118,219.16 | $92,210.94 |
| 12 | $133,984.50 | $133,984.50 | $104,507.91 |