Roth vs. Traditional IRA Calculator

Compare tax-free Roth growth versus upfront Traditional IRA tax deductions using 2025/2026 IRS rules.

Current Age

Retirement Age

Annual Contribution ($ max $7,000)

Expected Annual Return (%)

Current Marginal Tax Rate (%)

Expected Retirement Tax Rate (%)

Roth IRA Value at Retirement (Tax-Free)

$1,194,000

0% tax owed on withdrawals

Traditional IRA Value (After Taxes)

$1,015,000

After income tax at withdrawal

Roth Advantage

+$179,000

Recommendation: Roth IRA

AI Tax Coach Real-time analysis

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$0 Trades

Excellent research, mobile app, and automatic rebalancing

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