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Roth vs. Traditional IRA Calculator
Compare Roth IRA and Traditional IRA after-tax wealth. Discover which is better based on your current and future tax rates.
2026 IRA limit: $7,000 ($8,000 if 50+)
Tax Rates
Your federal marginal tax bracket today
Expected tax rate when withdrawing in retirement
📘 Traditional likely better: You're in a higher bracket now than you'll be in retirement.
After-Tax Winner at Age 65
📘 Traditional IRA Wins
Traditional generates $72,478 more after-tax wealth
🔴 Roth (after-tax)
$807,607
📘 Traditional (after-tax)
$880,085
Roth Balance (pre-withdrawal)
$807,607
100% tax-free on withdrawal
Traditional Balance
$1,035,394
Taxed at 15% on withdrawal
Traditional Tax Deduction (total)
$53,900
Saved upfront over 35yrs
Traditional Tax Owed at Retirement
$155,309
At 15% on full balance
After-Tax Wealth Over Time
2026 IRA contribution limit: $7,000 ($8,000 if age 50+). Roth IRA has income limits — check IRS.gov for eligibility. Traditional analysis assumes full deductibility.
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