Finance
Roth vs Traditional 401(k) Calculator
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Browser-based
Enter contribution amount, years to grow, expected return, and current versus retirement tax rates to compare projected after-tax balances for Roth and Traditional 401(k) choices.
Results are estimates for educational purposes and are not financial or tax advice. Actual costs, rates, and rules vary.
How to use this tool
Enter annual pre-tax contribution amount, years until retirement, expected annual return, current marginal tax rate, and expected retirement tax rate. Calculate to see after-tax values and which option projects higher spendable retirement wealth.
Worked example
Example: $10,000 per year for 25 years at 7% return with 22% tax now and 18% in retirement often favors Roth when your retirement rate is lower than expected on Traditional withdrawals.
How it works
Compares after-tax retirement outcomes for Traditional and Roth 401(k) contributions. Traditional contributions grow pre-tax and are taxed at withdrawal. Roth contributions use after-tax dollars (adjusted for your current tax rate) and withdraw tax-free. Both paths use the same expected return and contribution period.
Limitations
Results are estimates for educational purposes and are not financial or tax advice. Actual costs, rates, and rules vary.
Privacy and file handling
Your data is processed in your browser and is not uploaded to our server.
Frequently asked questions
Is the Roth vs Traditional 401(k) Calculator free to use?
Yes. Utilnivo tools are free to use and do not require an account.
Are my inputs stored?
Utilnivo does not require an account. See the privacy note on this page for how your data is processed for this tool.
How do I get started with Roth vs Traditional 401(k) Calculator?
Open the tool on this page, enter your inputs, and use the on-screen controls. No account is required.
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