LEVEL 300 · TAX DIVERSIFICATION

Traditional vs. Roth Contribution Calculator

Compare future after-tax value when the deduction today and the retirement tax rate are both accounted for.

Compare the same annual contribution to either account. The Traditional route also invests the tax savings.

1 · Contribution and timeline

Annual contribution to either accountThe same contribution amount is modeled for Traditional and Roth.Years invested

2 · Tax assumptions

Tax rate saved on contributions todayThe model uses this rate to calculate tax savings, then invests those savings outside the account.Assumed tax rate on withdrawalsApplied to the Traditional balance at the end of the timeline.Tax rate on invested tax-savings gainsApplied to gains in the separate account holding the Traditional tax savings.

3 · Growth and fees

Assumed annual return before feesAnnual investment fee

Rules checked in 2026. Assumes the Traditional contribution creates a current-year tax savings that is invested in a taxable account. It does not test eligibility, contribution limits, deductions, required distributions, state taxes, account-order rules, penalties, or future law changes.

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Compare the same annual contribution to either account. The Traditional route also invests the tax savings.

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Traditional vs. Roth Contribution Calculator

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