Tools & Calculators

Roth vs. Traditional IRA

Pre-tax or after-tax contributions — the right answer depends on where your tax rate is headed. Enter your details to see which approach works harder for your long-term goals.

Which is right for you?

The right answer depends on one key question: will your tax rate be higher now, or in retirement? Enter your information below and we'll show you which account type projects to put more money in your pocket — and by approximately how much.

Your Information
 
Age you plan to stop working
2026 limit: $7,500 (under 50) or $8,600 (age 50+)
$
Your current federal marginal bracket
%
Estimate — we can help you think through this
%
How long you expect to take withdrawals

Roth IRA
After-tax balance at retirement
Net amount invested
Tax paid on contributions
Growth (tax-free)
Tax on withdrawals $0
Traditional IRA
After-tax balance at retirement
Total contributed
Tax deferred on contributions
Growth (tax-deferred)
Tax on withdrawals
After-Tax Balance Comparison
Roth
Traditional
What this means

Want to see how this plays out in your full financial picture? The Roth decision interacts with Social Security timing, RMDs, and Medicare premiums in ways a calculator can't fully capture. We can model your specific situation.

Talk to Eric or Brianna

Results are illustrative estimates based on inputs provided. Assumes a constant 6% annual growth rate and that Traditional IRA contributions are fully tax-deductible. 2026 IRA contribution limits: $7,500 (under age 50) and $8,600 (age 50 and older). Actual results will vary based on investment performance, income phaseouts, and other factors. This tool is for educational purposes only and does not constitute tax, legal or investment advice. Consult a qualified financial advisor before making contribution decisions.