Compare A Roth 401(k) To A Traditional 401(k) Calculator

Compare a Roth 401(k) to a Traditional 401(k)

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 after-tax Roth 401(k) and the current tax-deductible 401(k).

Personal Information

Client Name

Advisor Name

Savings

Current age (1 to 120)

Your annual contribution ($)

Distribution

Age when income should start (1 to 120)

Number of years to receive income (1 to 70)

Before tax return on savings (distribution phase) (-12% to 12%) help

Income tax bracket (distribution phase) (0% to 75%) help

Accumulation

Before tax return on savings (accumulation phase) (-12% to 12%) help

Income tax bracket (accumulation phase) (0% to 75%) help

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

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

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Compare A Roth 401(k) To A Traditional 401(k) Calculator