Roth after-tax
$275,892
Projected Roth value at retirement under the return assumption.
Planning Tools
Calculator
Roth vs. Traditional IRA Calculator
Compare Roth and Traditional IRA contribution paths using your income, eligibility details, savings amount, tax rates, and time horizon.
RetirementIRA StrategyTax Planning
IRA Comparison
After-tax outcome
2026Single
Roth scenario leads
$30,214
Under these assumptions, the Roth path finishes with the larger after-tax retirement value.
Traditional after-tax
$245,678
Traditional value after estimated retirement tax on pretax dollars.
Roth advantage
$30,214
11.0% difference between after-tax outcomes.
Comparison View
Review the visual summary, table, and assumptions behind the comparison.
What drives the comparison
- Current marginal tax rate
- 32.0%
- Retirement tax rate
- 24.0%
- Filing status
- Single
- MAGI entered
- $150,000
- Annual IRA savings
- $7,500
- Break-even retirement tax rate
- 32.0%
Current-year mechanics
- IRA contribution limit
- $7,500
- Roth contribution room
- $7,500
- Deductible Traditional room
- $0
- Roth contribution
- $7,500
- Traditional contribution
- $7,500
- Traditional nondeductible portion
- $7,500
- Traditional tax savings
- $0
How to use this tool
Use the estimate to clarify the IRA tax tradeoff.
01
Enter the savings decision
Start with filing status, expected MAGI, workplace-plan coverage, age, IRA savings amount, and the tax rates you want to compare.
02
Pressure-test the tax spread
The main tradeoff is whether a current deduction or future tax-free treatment is more valuable under the assumptions entered.
03
Treat the result as a planning prompt
A close result may point toward tax diversification, liquidity needs, backdoor Roth planning, or broader account strategy rather than a single obvious answer.
About this model
A contribution comparison, not a recommendation.
This calculator compares Roth and Traditional IRA outcomes using filing status, MAGI, workplace-plan coverage, IRA savings, tax-rate assumptions, and projected after-tax retirement values.
The model uses 2026 IRA contribution limits, Roth income phaseouts, Traditional IRA deduction phaseouts, and the age-50 catch-up amount. Projection rules are held constant so the comparison stays focused on the entered assumptions.
Bring the IRA tax tradeoff into focus.
If the estimate is close, review contribution eligibility, tax timing, liquidity, retirement income expectations, and broader account strategy with PeakStone.