Compare the estimated after-tax value of Roth and traditional retirement contributions, then test how long each account could support a target annual withdrawal in retirement.
Compare the estimated after-tax value of Roth and traditional
retirement contributions, then test how long each account could
support a target annual withdrawal in retirement.
Your profile
2026 defaults
Used for estimated federal bracket and IRA eligibility checks.
Contribution details
Capped at the estimated 2026 limit for the account type and age.
Only affects whether a traditional IRA contribution is
deductible.
Used to tax traditional withdrawals. Roth qualified
withdrawals are modeled as tax-free.
Example: enter 75000 to test $75k/year of spendable retirement
income.
Advanced assumptions
Optional: raises the contribution each year until the account
limit is reached.
Estimated annual tax cost if traditional deduction savings
are invested in a taxable account.
Same account contribution assumes equal dollars go into the
retirement account. Same out-of-pocket reduces the Roth
contribution to reflect taxes paid today.
Estimated better option
Roth
Estimated advantage: $0
Roth after-tax value
$0
Traditional after-tax value
$0
Roth withdrawal years
0
Traditional withdrawal years
0
Projected retirement value
Roth$0
Traditional$0
Personalized notes
About this estimate:
Educational estimates only. Results depend on your assumptions and
are not guaranteed or financial, investment, legal, or tax advice.
