Roth vs Traditional 401(k) Calculator

Compare Roth vs Traditional contributions by tax rate now and in retirement.

Annual contribution ($):

Years invested:

Annual growth (%):

Tax rate now (%):

Expected tax rate in retirement (%):

Simplified comparison only — not financial or tax advice.

How to use

Enter contribution, years, growth and both tax rates, then click Compare. Everything runs in your browser — nothing is uploaded or stored.

What is the key difference?

Traditional saves tax now but is taxed later; Roth is taxed now but grows tax-free.

Is this exact?

A simplified comparison — real taxes have more moving parts. Not financial advice.

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