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Roth IRA vs. Traditional IRA Calculator

Want to compare the after-tax results of contributing to the new Roth IRA versus the tax-deductible Traditional IRA? Then try this calculator.

(If you are not familiar with the rules for eligibility and tax treatment for each type of IRA, go to our Comparing Your IRA Options section to see which IRA you qualify for.)
Pre-Retirement Years:
Amount of contribution per year ($4,000 max, $5,000 if age 50 or over max): *
$
Expected Tax Rate:

%
Number of years you expect to contribute: *(contributions not allowed beyond age 70 1/2 for Traditional IRA)

Expected Rate of Return: *

Retirement Years:
Expected Tax Rate:

%
Number of years you expect to take distributions: **

Expected Rate of Return: *

Calculate Clear
* Denotes a required field.

Note: The calculator is intended as a comparison tool only and is not intended as a substitute for tax or legal advice. Please consult your tax or legal advisor for further tax information.

*You can estimate the length of your retirement by subtracting your target age at retirement from your results from the Longevity Game. Use the number of estimated years of retirement as the Number of Years You Expect to Take Distributions.