Roth vs Traditional IRA Calculator
Compare Roth and Traditional IRA outcomes. See which account gives you more after-tax retirement income based on your tax situation.
Recommendation
Roth and Traditional Are Roughly Equal
After-Tax Difference: $0
Roth (After-Tax)
$967,658
Traditional (After-Tax)
$967,658
Total Contributions
$245,000
Years Contributing
35
Account Growth Over Time
Frequently Asked Questions
When is a Roth IRA better than a Traditional IRA?
A Roth IRA is generally better when you expect to be in a higher tax bracket in retirement, when current tax rates are low, or when you want tax-free withdrawals and no Required Minimum Distributions (RMDs). Young investors early in their careers often benefit most from Roth contributions.
When is a Traditional IRA better?
A Traditional IRA is generally better when you expect to be in a lower tax bracket in retirement, need the current-year tax deduction, or are in your peak earning years. The tax savings today can be reinvested, leading to a larger balance — though withdrawals are taxable.
Can I contribute to both a Roth and Traditional IRA?
Yes, but the combined annual contribution limit ($7,000 in 2026, or $8,000 if age 50+) applies across both accounts. You cannot contribute $7,000 to each — the total must equal $7,000 or less. Income limits may also restrict your ability to deduct Traditional IRA contributions or contribute directly to a Roth IRA.
This calculator is for educational purposes only. Future tax rates are unknown. Consult a financial advisor for personalized retirement planning.