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401(k) vs Roth 401(k) Calculator

Traditional 401(k) saves tax now. Roth 401(k) saves tax later. Find out which puts more money in your pocket at retirement.

401(k) vs Roth 401(k) Details

$23,000
$
50%
%
6%
%
$110,000
$
24%
%
20%
%
7%
%
25

Results

Live

Traditional 401(k) After-Tax at Withdrawal

$1,163,782

Annual Employer Match$0
Traditional 401(k) Value (pre-tax)$1,454,728
Roth 401(k) Value (tax-free)$1,105,593
Roth Advantage (if retirement rate higher)-$58,189
Annual Employer Match$0
Traditional 401(k) Value (pre-tax)$1,454,728
Traditional 401(k) After-Tax at Withdrawal$1,163,782

How to use

Change one assumption at a time to see what moves the answer most.

Coach Insight

401(k) vs Roth 401(k) Calculator helps users make a investing & retirement decision with clearer numbers, assumptions, and next actions.

Frequently Asked Questions

Everything you need to know.

Why This Matters

401(k) vs Roth 401(k) Calculator helps users make a investing & retirement decision with clearer numbers, assumptions, and next actions.

How to Use It

  1. 1Enter your numbers in the input panel.
  2. 2Review the live results and interpretation on the right.
  3. 3Use the compare outputs to compare options or plan the next step.
  4. 4Use the related links below if you want to move from analysis to action.
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