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.
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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.
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