Suggerisci uno strumento

Dicci quale strumento vorresti vedere. Ne costruiamo uno a settimana da richieste reali.

Fai i conti.

Roth vs Traditional 401(k) Comparison

See whether a Roth or Traditional 401(k) leaves more money in your pocket at retirement.

Roth (after-tax, tax-free at withdrawal)

$1,700,294

Final account value $1,700,294. No tax owed on withdrawal if rules are met.

Traditional (pre-tax, taxed at withdrawal)

$1,475,395

Final value $1,700,294, taxed at withdrawal $255,044, plus tax saved today compounded at 7%.

Verdict — Traditional

Your expected retirement bracket is meaningfully lower than today's — the front-end tax break dominates.

Tax saved today

$118,800

Difference (Roth − Traditional)

$224,900

Compounding years

30

These ignore contribution-limit differences (Roth has income limits; 401(k) match is only available pre-tax), early-withdrawal penalties, and state tax. Most planners recommend a mix when future rates are uncertain.

Informazioni su questo strumento

Type current and projected salary, marginal tax bracket (today and at retirement), contribution, expected return, and years. Get the tax savings today, the future account balance, the tax owed at withdrawal, and the net after-tax retirement income for both options side-by-side. A clean answer for the r/personalfinance Roth vs Traditional recommendation question.

Strumenti correlati

Altri calcolatrici che potrebbero esserti utili.

Rent Affordability Calculator

Find out how much rent you can afford based on your income.

Shopify Shipping Simulator

Estimate shipping cost and margin on a Shopify order.

Appliance Energy Cost Calculator

Calculate how much an appliance costs you per month and per year.

Altre categorie

Cerchi qualcos'altro? Sfoglia il resto del catalogo.

Suggerimenti sponsorizzati

Alcuni dei link qui sotto sono link di affiliazione. Potremmo ricevere una commissione se acquisti tramite questi link, senza costi aggiuntivi per te.