Roth vs Traditional calculator
The simple rule of thumb: if you expect a lower bracket in retirement, lean Traditional. If higher, lean Roth. If unsure, split.
Recommendation
Lean Traditional (pre-tax) today
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FAQ
- What if I don't know my retirement bracket?
- Most retirees draw from a mix of pre-tax, Roth, and taxable; effective rates often land lower than peak-earning years. If unsure, splitting contributions hedges policy and lifestyle uncertainty.
- Are Roth contributions accessible early?
- Roth contributions (not earnings) can be withdrawn at any time without penalty. That gives Roth IRAs unique liquidity for early-retirees.
- Does Traditional reduce my AGI?
- Yes — Traditional 401(k) and deductible Traditional IRA contributions reduce AGI, which can preserve eligibility for tax credits and direct Roth IRA contributions.
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Educational guidance only. Not legal, tax, or individualized investment advice. We do not recommend individual securities or guarantee outcomes.