Roth vs Traditional (401k/IRA)

Simple break-even model: contribute pre-tax vs post-tax and compare after-tax value at retirement. Client-side only.

Inputs

Annual contribution budget (pre-tax dollars)

Years of contributions

Current marginal tax rate (%)

Retirement effective tax rate on withdrawals (%)

Investment return (%/year)

Catch-up / increases (%/year)

Withdrawal horizon (years)

Retirement tax style

Notes: This is a simplified model. Real tax depends on brackets, deductions, state tax, RMDs, etc. Use this for intuition, not filing.

Ready.