💼 Retirement Tool

Roth vs Traditional
IRA

Compare after-tax growth, RMDs and the best account choice based on your age, tax bracket and timeline.

Your Details

Current Age 30

years

1870

Retirement Age 65

years

4580

Annual Contribution 2024 limit: $7,000 / $8,000 if 50+

$0$8K

Current Tax Bracket (marginal)

Expected Tax Bracket in Retirement

Expected Annual Return 7.0%

1%12%

Annual Withdrawal in Retirement

State Income Tax Rate

IRA Comparison

Recommended Account

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Calculating...

Traditional IRA

Balance at Retirement

After-Tax: $0

Tax saved now: $0

Roth IRA

Tax-Free Balance

Eff. after-tax: $0

No RMDs required

Growth Comparison

Traditional — Pre-Tax Balance

Roth — Tax-Free Balance

Traditional After Taxes

Year-by-Year Growth (10-yr intervals)

Age	Traditional	Roth	Difference

💼

IRA Verdict

Calculating...

💡

RMD Warning (Traditional IRA): Required Minimum Distributions start at age 73, forcing taxable withdrawals whether you need the money or not. Roth IRAs have no RMDs during the owner's lifetime — a significant advantage for estate planning and tax control in retirement.

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Roth vs TraditionalIRA

IRA Verdict

Optimise Your Retirement Account Strategy

Roth vs Traditional
IRA