Roth IRA vs Traditional IRA Future Value Simulator
"Estimate which retirement account gives you higher after-tax wealth, Roth or Traditional, based on your personal tax situation."
Choosing between a Roth IRA and a Traditional IRA can dramatically affect your long-term retirement outcomes. This calculator helps you project the after-tax value of both accounts using your contribution, growth rate, and tax assumptions. See how your money grows, and how much you'll actually keep after taxes, to make smarter decisions about where to invest your retirement savings.
2025 limit: $6,500
For Traditional IRA tax deferral
Roth IRA
Contributions are taxed now, but withdrawals are tax-free.
Traditional IRA
Contributions are pre-tax, but withdrawals are taxed later.
The calculator projects both accounts to retirement and applies your expected tax rate to determine after-tax balances.
Contribution Limit
$6,500
Catch-up (50+)
+$1,000
Income Phase-outs
Apply for Roth eligibility