Traditional wins by
$0
After-tax retirement value comparison.
Retirement decision
Roth vs. Traditional 401(k) Calculator
Compare Roth and traditional retirement contributions using current tax rate, retirement tax rate, contribution amount, return, and time horizon.
Roth vs. traditional guide
What this Roth vs. traditional calculator does
This calculator compares paying taxes now through Roth contributions with deferring taxes through traditional 401(k) contributions.
Updated May 13, 2026. Educational estimate only.
How to use it
- Enter the annual contribution you are comparing.
- Add your current marginal tax rate.
- Estimate your retirement tax rate.
- Choose a return and time horizon.
- Compare after-tax future values.
Example
If your current tax rate is much higher than your expected retirement tax rate, traditional contributions can look better. If your current rate is lower, Roth contributions may have the edge.
Common assumptions
The model is simplified and does not include employer match rules, income limits, changing tax brackets, required minimum distributions, or estate planning.
Related calculators
Is Roth always better?
No. The answer depends heavily on current and future tax rates.
Does this include employer match?
No. Always capture an employer match when available.
Does this replace tax advice?
No. Use it as a planning estimate only.
Related guide: Roth IRA vs. 401(k).