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Roth vs Traditional IRA Calculator

Compare Roth and Traditional IRA strategies including tax brackets, RMDs, and conversions

Personal Finance

Personal Info

Current Age *

Retirement Age *

Annual Contribution ($) *

Catch-Up Contribution ($)

Years to Contribute *

Current Traditional IRA Balance ($) *

Current Roth IRA Balance ($) *

Expected Annual Return (decimal, e.g. 0.07) *

Current Marginal Tax Rate (decimal) *

Expected Retirement Marginal Tax Rate (decimal) *

State Tax Rate (decimal) *

State allows IRA deduction

Annual Withdrawal Amount ($) *

Withdrawal Start Age *

Include required minimum distributions

RMD Start Age *

Include conversion analysis

Include tax bracket optimization

Projection Years *