Traditional IRA vs Roth IRA Calculator

Compare long-term outcomes of contributing to a Traditional vs. Roth IRA.

  • Methods explained
  • Save scenarios
  • Compare saved scenarios

Shared Inputs

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Traditional IRA

Future Value$554,765
After-Tax Value$432,717
Tax Savings Now$42,000

Roth IRA

Future Value$421,622
After-Tax Value$421,622
Tax Savings Now$0

Recommendation

Roth Advantage-$11,095

Traditional IRA may be better - tax savings now are more valuable

How it works›

Model and assumptions. Compares pre-tax and Roth contributions or conversions using the entered tax rates, return and holding period. Current tax savings and withdrawal taxes are handled separately. Eligibility, early distributions, future rates and legislative changes are not predicted.IRS Publication 575IRS Publication 590-BOpenStax: annuity formulas