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Comparison of Traditional 401(k) vs. Roth 401(k)

This tool will provide a comparison between a pre-income tax Traditional 401(k) vs. a  post-income tax Roth 401(k). The contribution results will recalculate as you <Tab> from  field to field.

Age Assumptions        
Your Current Age

   
Your Proposed Age at Retirement

   
 
Investment Assumptions        
Your Proposed Contribution Per Year    
Estimated Investment Yield    
Tax Rate Until Retirement    
Tax Rate After Retirement    
       
Your Results        
  Retirement Balance  
  Pre-Tax   Post-Tax  
Traditional 401(k)    
Side Fund Investment*    
Total  
 
     
Roth 401(k)    
Side Fund Investment* N/A   N/A  
Total  
 
 

*For comparison purposes it is proper to recognize that the pre-income tax Traditional 401(k) provides additional funds that can be invested . For example, if you are a 45-year-old participant in a 28 percent federal tax bracket and elect to save $15,000 to a traditional 401(k) it would take $19,200 (excluding payroll taxes) to make the same $15,000 contribution to a post-income tax Roth 401(k). The $4,200 difference is classified as the "Side Fund", which is the accumulated income tax savings. This calculator reflects the growth of the Side Fund at the investment yield you have selected.

 
   
   

 
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