Roth Or 401k Calculator

Roth vs 401(k) Comparison

Compare the after-tax future value of a Roth IRA (after-tax contributions) vs a Traditional 401(k) (pre-tax contributions with tax on withdrawal).

Annual Contribution ($)Amount you plan to contribute each year.

Current Age (years)Your current age.

Retirement Age (years)Age at which you will withdraw.

Annual Return (%)Expected annual investment return.

Current Tax Rate (%)Your marginal tax rate now.

Future Tax Rate (%)Expected tax rate in retirement.

Results

Roth IRA

$0

After-tax contributions, tax-free growth and withdrawals.

Traditional 401(k)

$0

Pre-tax contributions, taxed on withdrawal.

Formula

Roth = Contribution × (1 - CurrentTaxRate) × (1 + Return)^Years. Traditional = Contribution × (1 + Return)^Years × (1 - FutureTaxRate).