Roth 401(k) vs. Traditional 401(k) Deferral Calculator
This calculator will help you analyze your net benefit between a Roth 401(k) and a traditional 401(k). Enter your information on the left side and click "Calculate."
Annual Salary:
 $
Deferral Rate:
    %
or Annual
Deferral Amount:
 $
Current Tax Rate:
   or %
Current Age:
  
Expected retirement age:
  
Expected rate
of return:
    %
Expected Tax Rate at Retirement:
    or %

 
Traditional 401(k)
Roth 401(k)
Roth 401(k)
keeping take home
pay the same
Annual Deferral
$ $ $
401(k) Balance at Retirement
    Before Tax
    After Tax
     
$ $ $
$ $ $
Amount Saved Outside of 401(k)*
    Before Tax
    After Tax
     
$
-
-
$
-
-
Total After Tax
at Retirement
$ $ $

* Assumes you took the amount saved in taxes on your traditional 401(k) deferrals and invested it in a taxable investment outside the 401(k) plan.

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