Traditional IRA vs Roth IRA

Compare how taxes today vs. taxes in retirement impact your IRA balance. We treat Traditional contributions as pre-tax and Roth contributions as after-tax.

Current Balance

Monthly Contribution

Traditional: full amount invested pre-tax. Roth: after-tax amount invested.

Years Until Retirement

Expected Annual Return (%)

Current Marginal Tax Rate (%)

Expected Tax Rate in Retirement (%)

Traditional IRA (pre-tax) Balance:

Traditional IRA After-Tax (at retirement):

Roth IRA Balance (tax-free at retirement):

Difference (Roth after-tax minus Traditional after-tax):