How This Calculator Works
Enter your annual 401(k) contribution amount.
Input your current and expected retirement tax rates.
Set the years until retirement and expected return.
Compare traditional vs Roth 401(k) outcomes.
401(k) vs. Roth 401(k) Calculator
Why Use This Calculator
Compare pre-tax vs Roth contributions
See the impact of tax rate changes
Plan contribution strategy
Understand break-even tax rate
Traditional 401(k) contributions reduce taxable income now; withdrawals are taxed in retirement. Roth 401(k) contributions are after-tax; withdrawals are tax-free. The better choice depends on current vs future tax rates.
Important Notice
These calculators are for educational and informational purposes only. Results are estimates based on the information you provide and should not be considered financial, tax, or investment advice. Your actual results may vary. For personalized guidance, please consult a qualified financial advisor, tax professional, or other appropriate expert.