Roth vs Traditional IRA

Compare the after-tax retirement value of a Roth IRA versus a Traditional IRA. The key variable is whether your tax rate will be higher now or in retirement — this tool shows you which wins.

Annual Contribution ($)

Years Until Retirement

Annual Return Rate (%)

Current Tax Rate (%)

Retirement Tax Rate (%)

Roth IRA

—

After-Tax Value

Pay tax NOW · Withdraw tax-free

Traditional IRA

—

After-Tax Value

Tax deduction NOW · Pay tax later