Roth 401(k) vs Traditional 401(k) Deferral Calculator | Qualified Retirement Plans

Roth 401(k) vs Traditional 401(k) Calculator 

This calculator will help you analyze your net benefit between a Roth 401(k) and a Traditional 401(k). Enter your information within the columns below and click "CALCULATE".

 

Annual Salary: 

 

Current Age: 

Deferral Rate: 

 

Expected retirement age: 

Or, Annual Deferral Amount:

 

Expected rate of return: 

Current Tax Rate:

or %

 

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.