Traditional vs Roth IRA Calculator
You contribute a year
usd
Years until you withdraw
years
Annual return
percent
Your tax rate now
percent
Marginal rate — the bracket the last dollar of income falls in, plus state tax if your state has it.
Your tax rate in retirement
percent
The traditional deduction is
Invested alongside
Spent
A traditional IRA hands back tax at the same rate every year. Comparing the two accounts fairly means either investing that refund or admitting you spent it.
Capital gains rate on the side account
percent
Roth advantage, after tax
$840
Show the work
Traditional vs Roth IRA Calculator
by Rule Calculator