Retirement calculator
Roth vs Traditional IRA Calculator
Compare simplified after-tax outcomes using your contribution, age, tax assumptions, timeline, and expected return.
How this calculator works
This simplified calculator grows the same contribution under Roth and Traditional assumptions. Roth withdrawals are modeled as tax-free. Traditional withdrawals are reduced by the retirement tax rate you enter.
2026 limits used
The calculator uses a 2026 IRA contribution limit of $7,500 and a $1,100 catch-up amount for age 50+, for a total of $8,600 when eligible.
Limitations
This tool does not determine eligibility, deductibility, income phaseouts, early withdrawal rules, required minimum distributions, state taxes, or how you invest current-year tax savings.
Important note
This page provides educational estimates only and is not financial, investment, tax, legal, accounting, or retirement advice.