IRA Comparison
Enter your contribution amount, tax rates, and investment return.
After-tax values at retirement
Roth wins by $0
Roth: $0 · Traditional: $0
Roth IRA after-tax
$0
Traditional IRA after-tax
$0
Difference
$0
Roth pre-tax cost
$0
Trad pre-tax cost
$0
Tax savings (trad)
$0
Worked example
With the default inputs shown below, this calculator returns the following results:
| Input | Value |
|---|---|
| Annual contribution ($) | $7,000 |
| Current tax rate (%) | 24% |
| Retirement tax rate (%) | 22% |
| Annual return (%) | 7% |
| Time period (years) | 20 |
| Result | Value |
|---|---|
| After-tax values at retirement | Roth wins by $5,959 |
| Roth IRA after-tax | $27,088 |
| Traditional IRA after-tax | $21,128 |
| Difference | +$5,959 |
| Roth pre-tax cost | $7,000 |
| Trad pre-tax cost | $7,000 |
Values shown are produced by this page in your browser; change any input to update them.
How to use the IRA Comparison
- Annual contribution ($) — default $7,000
- Current tax rate (%) — default 24%
- Retirement tax rate (%) — default 22%
- Annual return (%) — default 7%
- Time period (years) — default 20
- Press Calculate to update the results instantly.