Should I choose Roth or Traditional IRA?

Roth: if you expect to be in a higher tax bracket in retirement, you are early in career, or you want tax-free withdrawals. Traditional: if you are in a high tax bracket now and expect lower taxes in retirement, or need the deduction. Under $50,000 income: almost always Roth. Over $150,000: often Traditional.

Can I contribute to both Roth and Traditional IRA in the same year?

Yes, but the combined contribution across both cannot exceed the annual limit ($7,000 in 2026, $8,000 if 50+). Most people choose one or the other. If you cannot decide, split the contribution.

What is the Roth IRA income limit in 2026?

Direct Roth IRA contributions phase out between $150,000–$165,000 for single filers and $236,000–$246,000 for married filing jointly in 2026. Above these limits, use the backdoor Roth strategy: contribute to a non-deductible Traditional IRA then immediately convert to Roth.

Roth vs Traditional IRA Calculator — Which Wins?

Compare Roth and Traditional IRA outcomes side by side — accounting for your current tax rate, retirement tax rate, and time horizon.

Roth IRA Value at Retirement

$442,743

Roth IRA Value at Retirement

$442,743

Traditional IRA Value (pre-tax)

$567,620

Traditional IRA Value (after-tax)

$465,448

Roth Advantage

-$22,705

Coach Insight

The Roth vs Traditional decision is a tax bet. Roth wins if your retirement tax rate is higher than your current rate. Traditional wins if lower. Neither is universally better — but most young earners in moderate tax brackets benefit more from Roth.

Frequently Asked Questions

Everything you need to know.

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Why This Matters

How to Use It

1Enter your annual contribution and current tax rate
2Estimate your retirement tax rate
3Set your investment return and years to retirement
4See after-tax wealth comparison for both accounts

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