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Roth vs. Traditional IRA Calculator

Roth vs Traditional — which wins?

IRA Details

2025 limit: $7,000 ($8,000 if 50+)
$
%

Tax Rates

Your marginal federal + state rate today
%
Your expected marginal rate in retirement
%

Comparison Results

✓ Roth IRA wins by $189,111 after-tax

Roth Balance (tax-free)

$1,050,615

Trad. After-Tax

$861,504

Total Contributions

$245,000

Investment Growth

$805,615

💡 The Simple Rule

If your retirement tax rate (18%) is higher than your current rate (22%), Roth wins. If lower, Traditional wins. When uncertain, split between both.

Roth
Wins
  • Roth After-Tax$1,050,615 (55%)
  • Trad. After-Tax$861,504 (45%)

How to Use the Roth vs. Traditional IRA Calculator

Enter your financial details in the calculator above to get instant, accurate results. All calculations update in real time as you adjust the inputs. No sign-up or account required.

  1. Fill in your specific financial numbers in the input fields.
  2. Adjust sliders or type values directly — results update instantly.
  3. Review the breakdown charts and summary cards for a complete picture.
  4. Scroll down for detailed explanations and actionable tips.

Understanding Roth vs. Traditional IRA Calculations

Our calculator uses industry-standard financial formulas to provide accurate estimates. Results are based on the inputs you provide and standard financial assumptions. While our calculations are precise, real-world results may vary based on fees, taxes, and other factors.

Use these results as a starting point for your financial planning. For major financial decisions, consult with a qualified financial advisor who can account for your complete financial picture.

Tips for Better Financial Planning

  • Run multiple scenarios — try different values to understand the range of outcomes.
  • Be conservative with projections — use lower return rates and higher expense estimates.
  • Review annually — your financial situation changes; recalculate regularly.
  • Account for inflation — a dollar today will be worth less in 20 years.
  • Use this as a starting point — then work with a financial advisor for personalized advice.

Frequently Asked Questions

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Financial Disclaimer: The calculations provided by CalcVerify are for informational and educational purposes only. Results are estimates based on the information you provide and standard financial formulas. These calculations are not a substitute for professional financial advice. Tax calculations use 2025 rates and may not reflect current law. Interest rates and market returns used in examples are illustrative only. Please consult a qualified financial advisor, tax professional, or mortgage broker before making significant financial decisions.