⚖️
Traditional vs Roth IRA Calculator
Compare after-tax outcomes between Traditional and Roth IRA strategies.
About This Calculator
Roth wins when your future tax rate exceeds your current rate; Traditional wins when the reverse is true. A person in the 22% bracket today who drops to 12% in retirement typically benefits from the Traditional deduction now. Most financial planners recommend hedging by using both account types to create tax diversification in retirement.