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Roth vs. Traditional IRA Calculator

After-tax future value of Roth vs. Traditional contributions.

Compare the after-tax future value of contributing the same amount to a Roth IRA (taxed today, tax-free at retirement) vs. a Traditional IRA (deduct now, taxed at withdrawal).

Nadia Almasri By Nadia Almasri
Published Last reviewed 1 min read

Inputs

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Results

Enter values and click Calculate to see results.
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How to use this calculator

  1. Fill in the inputs above using the units you already have.
  2. Values update automatically as you type — no submit button needed.
  3. Hover any result row for the underlying formula and intermediate values.

Formula

Roth FV = contribution × (1 + r)ʸ. Traditional FV = (contribution / (1 − today's tax)) × (1 + r)ʸ × (1 − retirement tax).

In depth

Compare the after-tax future value of contributing the same amount to a Roth IRA (taxed today, tax-free at retirement) vs. a Traditional IRA (deduct now, taxed at withdrawal).