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Roth vs Traditional IRA

Compare after-tax retirement income from Roth and Traditional IRAs based on your current and expected future tax brackets.

The Roth versus Traditional IRA decision comes down to whether you expect to pay higher taxes now or in retirement. This calculator compares after-tax retirement income under both scenarios, using your current and projected future tax brackets to show which option puts more money in your pocket.

Your Situation
2025 limit: $7,000 ($8,000 if 50+)
Federal + state combined
Expected rate when withdrawing