Roth 401(k) Calculator

Roth 401(k) Calculator

Are you better off contributing to a Roth 401k or a traditional 401k? Find out!

This Roth 401(k) Calculator uses calculations that require you have JavaScript enabled. Either turn this plugin on through your browser's Preferences, or switch to another browser that supports JavaScript.

Marginal Tax Rate (optional)
You can estimate your marginal tax rate for 2010 by answering the following two questions.

What is your filing status?
Adjusted Gross Income


Balance at Retirement Adjustments

Annual Contribution
(Up to $20,000)



Annual Yield on Investments
(Estimate your investment return)



Pre Retirement Tax Rate
(Enter your marginal tax rate from above)

Post Retirement Tax Rate
(Estimate your tax rate after retirement)



Current Age


Retirement Age

If you invest in a traditional 401(k), you will have an immediate tax savings because your contributions will be deductible. Will you invest these tax savings to provide additional retirement income?

Balance at Retirement Results

Before Tax After Tax
Traditional 401(k)
Side Fund*
Total
Roth 401(k)

If you contribute to a Traditional 401(k), you will get a tax deduction for the amount of your contribution. The resulting tax savings can be invested in a separate account (a "Side Fund").

If you contribute to a Roth 401(k), there will be no immediate tax savings and no Side Fund. This item shows the accumulated after-tax value in the Side Fund at retirement.

Single-Sum Withdrawal at Retirement Age

 

Withdrawal in Annual Installments

Insert the amount you will need to withdraw each year to live on:

Calculator

Amount of Withdrawal Money Runs Out After
Traditional 401(k)
Roth 401(k)
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