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Roth vs. Traditional Comparison

Your retirement income can vary widely depending on what type of account holds your savings and what assumptions you make about return and tax rates during the accumulation and withdrawal periods. Use this calculator to help compare employee contributions to the new after-tax Roth 401(k) and the current tax-deductible 401(k).

Savings and Assumptions
Current age
Age when income should start
Number of years to receive income
Before tax return on savings: (% - accumulation phase)
Before tax return on savings: (% - distribution phase)
Income tax bracket: (% - accumulation phase)
Income tax bracket: (% - distribution phase)
Your annual contribution
Taxation of contribution options:
1) Traditional 401(k) deductible account fully funded, contributions to Roth 401(k) non-deductible account are reduced
2) Full contribution made to Roth 401(k) non-deductible account, Traditional 401(k) account given a 'side-account' to reflect tax savings
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