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Roth vs Traditional IRA Calculator
Enter your details to compare after-tax retirement values. The right account depends on whether your tax rate will rise or fall in retirement.
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Roth IRA wins by $197,679
With your current tax rate (22%) higher than or equal to your expected retirement rate (22%), the Roth IRA's tax-free withdrawals come out ahead.
| Roth IRA | Traditional IRA | |
|---|---|---|
| Investment Period | 35 years | 35 years |
| Total Contributions | $227,500 | $227,500 |
| Pre-Tax Growth | $671,040 | $671,040 |
| Taxes Paid (during contributions) | $50,050 | $0 |
| Taxes Paid (at retirement) | $0 | $197,679 |
| After-Tax Value at Retirement | $898,540 | $700,861 |