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Pay taxes now or later? Compare what a Roth and a Traditional 401(k) or IRA actually leave you with after taxes in retirement.
The winning route leaves you roughly $42,451 more after taxes at retirement.
Assumes the upfront tax savings from Traditional contributions are spent, not reinvested — the realistic case for most people. If you faithfully invested every dollar of tax savings, Traditional would look relatively better. Roth contributions are made with after-tax dollars and grow tax-free; Traditional grows pre-tax and is taxed at withdrawal. This isn't tax advice.
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