Retirement · United States

Roth vs Traditional Contribution Estimator

Compare Roth vs Traditional contribution tax timing using your current and future marginal tax rates. Simplified estimate for planning.

Last updated: May 31, 2026Simplified estimateCompares tax timingDoes not model growth/limits

IRS — IRAs

Official IRA rules and guidance.

Inputs

Configure your scenario

Enter a contribution and compare current vs future marginal tax rates.

Contribution amount (USD)

Current marginal tax rate (%)

Future marginal tax rate (%)

Contribution

$6,500

Traditional tax saved now

$1,430

Traditional tax paid later

$1,430

Breakdown

Traditional: tax saved now (estimate)

$1,430

Roth: tax paid now (estimate)

$1,430

Traditional: tax paid later (estimate)

$1,430

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