Roth vs Traditional IRA Calculator
Compare simplified after-tax outcomes when tax rates today and in retirement differ.
Verify this calculatorMaintained
See what the result uses—and what it cannot know.
Sumvoro calculates deterministically from the visible inputs. It does not invent lender terms, local rules, market values, medical facts, or professional judgments.
- 1 · InputsCheck every entered value against the latest statement, quote, measurement, or official source.
- 2 · Formula
Roth contributions are reduced by today’s tax cost; Traditional withdrawals are reduced by the future tax rate. - 3 · SensitivityUse Insights to run a lower and higher case. If the conclusion changes easily, collect better information or leave more margin.
- 4 · ScopeThis tool is maintained and covered by automated calculation tests. Provider timing, rounding, and omitted facts can still change a real-world result.
- Formula release
- 2026.10-r4
- Release date
- October 10, 2026
- Review status
- Maintained
- Source review
- September 12, 2026
Optional readingLearn how this calculator works
How the roth vs traditional ira calculator works
Compare estimated after-tax retirement value for Roth and Traditional IRA contributions.
Roth contributions are reduced by today’s tax cost; Traditional withdrawals are reduced by the future tax rate.
Read our calculation methodology and limitations.
Example
Use the same pre-tax contribution capacity in both scenarios to make the comparison consistent.
What affects the result
- Eligibility and contribution limits apply.
- Real tax outcomes depend on deductions and future law.
- Investment selections and fees also matter.
Frequently asked questions
What should I enter?
Use current statement or offer values where available. Each input includes a description of the expected amount, rate, or time period.
Is this financial advice?
No. It is a deterministic planning estimate. Verify important decisions with official documents and an appropriately qualified professional.