Ideas and Feedback? Contact support@scenariofi.app.
Financial simulator

Roth vs Traditional Retirement Account

Compare after-tax retirement outcomes when savings go into a Roth account versus a Traditional account.

The contribution amount is treated as annual pre-tax savings available for either strategy. Roth contributions are reduced by current taxes, while Traditional withdrawals are taxed later.

Back to retirement & investing

Contribution & Timeline

Set the annual pre-tax savings amount and projection length.

Annual pre-tax dollars available to direct toward either account.

Projection horizon in years.

Return & Tax Assumptions

Use the current tax rate for Roth contributions and the withdrawal tax rate for Traditional distributions.

Enter 7 for a 7% annual return.

Tax rate paid before Roth contributions are invested.

Tax rate applied to Traditional withdrawals at the end.

The chart and year-by-year table update in the browser.

Results

Compare after-tax Roth value against Traditional value after estimated withdrawal taxes.

Waiting for projection

Summary

Run the projection to compare Roth and Traditional account outcomes.

Roth ending value
-
Traditional after-tax
-
Traditional pre-tax
-
After-tax difference
-
Roth taxes paid today
-
Break-even withdrawal tax
-

Break-even withdrawal tax is the Traditional withdrawal tax rate that would make the two strategies tie under these assumptions.

Year-by-Year Projection

Year Roth value Traditional pre-tax Traditional after-tax After-tax difference
Run the projection to populate this table.