justyourcalculatorIRA Calculator
Compare traditional, Roth and taxable savings after all taxes.
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IRA Calculator
Traditional vs Roth IRA vs taxable, after tax
Pre-tax amount you can set aside.
Best after-tax result
Traditional IRA
$645,079 spendable at 65
Traditional IRA
- Balance at retirement
- $758,916
- After retirement tax
- $645,079
Roth IRA
- Yearly contribution after today's tax
- $5,460.00
- Balance at retirement (tax-free)
- $629,862
Taxable account
- Yearly contribution after today's tax
- $5,460.00
- Balance at retirement
- $521,283
Compares the same pre-tax budget: the traditional IRA gets the full contribution, the Roth and taxable accounts get what is left after today's tax. The current balance is treated as the same account type. Estimates for planning only, not financial advice.
- Traditional (pre-tax)
- Roth
- Taxable
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How the ira calculator works
A traditional IRA contribution is tax-deductible now and taxed when you withdraw. A Roth IRA contribution is taxed now and withdrawn tax-free. With the same tax rate now and later, both end up the same; the account that wins is the one that taxes you at the lower rate.
To compare fairly, we start from the same pre-tax dollars. The traditional IRA invests all of it and pays tax at your retirement rate at the end. The Roth and a taxable account invest what is left after today's tax, and the taxable account also pays tax on its returns each year.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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