Traditional vs Roth IRA Calculator
Compare a Traditional IRA (tax deduction now, taxed when you withdraw) with a Roth IRA (no deduction now, tax-free qualified withdrawals) at the same take-home cost. The 2026 IRA contribution limit is $7,500, or $8,600 if you are 50 or older.
Free · runs in your browser · Checked 30 September 2026Roth vs Traditional IRA
Move the sliders or type your own numbers. Results are estimates that assume a constant rate and are not guaranteed.
🧠 How this is calculated
Traditional IRA: the whole contribution goes in pre-tax and the balance is taxed at your retirement rate when withdrawn. Roth IRA: the contribution is reduced by your current tax rate (the same take-home cost) and the balance is tax-free. The two are compared after tax.
Calculations run in your browser; nothing you enter is sent to us. Results are estimates that depend on the assumptions shown.
❓ FAQs
Which is better, Traditional or Roth?
It depends mainly on whether your tax rate is higher now or in retirement. Eligibility, deductibility and income limits vary; see IRS.gov or ask a tax professional.
What is the 2026 IRA limit?
$7,500, with an additional $1,100 catch-up for people 50 and older.
Is this financial advice?
No. The calculator shows what happens under the numbers you enter. Rates, limits and tax rules change; confirm with the provider or a licensed professional.
Results are illustrations, not offers or advice. Investments can lose value; bank deposits are FDIC-insured up to $250,000 per depositor, per insured bank, per ownership category.