RetirementMetric calculator

Roth vs. Traditional Calculator

Compare estimated after-tax retirement values for Roth and Traditional contributions.

Annual contribution

Years invested

Annual return %

Current marginal tax rate %

Retirement tax rate %

Results update automatically. Estimates are for educational planning and exclude taxes, fees, contribution limits, and market variability unless explicitly modeled.

Estimated result

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How to use this calculator

Enter your current numbers, then test multiple scenarios. A useful planning habit is to compare a conservative case, a middle case, and an optimistic case rather than relying on one assumed return.

What this estimate means

This calculator is designed to give you a planning range, not a guarantee. Real-world outcomes depend on investment returns, taxes, fees, inflation, contribution timing, and changes in income or spending.

Want a broader view of your finances?Empower’s free dashboard can help track net worth, investments, spending, and retirement progress. RetirementMetric may earn compensation if you qualify after using our link.

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