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Roth vs traditional 401(k) calculator

Roth or traditional 401(k)? Compare what each leaves you in retirement after taxes when both cost your paycheck the same today, using the 2026 federal tax brackets and limits.

Your pay and plan

The numbers in the boxes are examples. The return and your future tax rate are your own guesses, not forecasts. Today's tax saving is worked out from the 2026 federal brackets and standard deduction; state tax is not included.

How the two compare

  • Traditional: the money goes in before income tax, so your tax this year is lower, and withdrawals in retirement are taxed.
  • Roth: the money goes in after tax, and qualified withdrawals in retirement are tax-free.
  • At the same cost to your paycheck, the Roth wins if your tax rate in retirement is higher than the rate you save now, and the traditional wins if it is lower.
  • The 2026 limit for your own contributions, $24,500 plus any catch-up, is shared by both kinds. You can split between them if your plan offers both.

See your paycheck and match with the 401(k) contribution calculator

With these numbers

–
Difference in retirement
Traditional, after tax
Traditional, before tax
Roth, tax-free
Traditional contribution a year
Tax saved now with traditional
Cost to your pay (and Roth contribution)
Break-even retirement tax rate
Employer match, after tax (both cases)

An estimate for illustration. Roth withdrawals are tax-free only when qualified (generally age 59½ and 5 years). Not tax or investment advice.

What this calculator does

Many 401(k) plans let you choose traditional (pre-tax) contributions, Roth (after-tax) contributions, or both. Enter your pay, how much you put in, your age and your expected tax rate in retirement, and the calculator shows which choice leaves you more after taxes, when both cost your paycheck the same today.

How it is worked out

A traditional contribution lowers this year's federal income tax. The calculator works out that saving with the 2026 brackets and standard deduction. A Roth contribution of the same cost to your paycheck is the traditional amount minus that saving. Both grow at the same return. At retirement, the traditional balance is reduced by your retirement tax rate; qualified Roth withdrawals are tax-free.

Example: a single person earning $75,000 puts 10%, or $7,500, into a traditional 401(k), which saves $1,650 of 2026 federal tax (22%). The same paycheck cost buys $5,850 of Roth contributions. After 30 years at 6%, the traditional account holds about $628,500, or about $553,100 after a 12% retirement tax rate; the Roth holds about $490,200, tax-free. Here the traditional wins because 12% is lower than the 22% saved today. With a retirement rate above 22%, the Roth would win.

2026 limits and rules

Frequently asked questions

Is a Roth or traditional 401(k) better?

At the same cost to your paycheck, a Roth is better if your tax rate in retirement will be higher than the rate you save now, and a traditional is better if it will be lower. If you are not sure, splitting between both spreads the risk.

Can I contribute to both a Roth and a traditional 401(k)?

Yes, if your plan offers both, but the $24,500 limit for 2026 (plus any catch-up) covers both together.

Is there an income limit for a Roth 401(k)?

No. Income limits apply to Roth IRAs, not to Roth contributions in a 401(k).

When are Roth 401(k) withdrawals tax-free?

When they are qualified: generally after age 59½ and at least five years after your first Roth contribution to the plan.

Is my information saved?

No. The numbers stay on this page.

How we calculate

The formula in plain words

Traditional contribution C = pay × %, capped at the 2026 limit for your age. Tax saved now S = 2026 federal tax on (pay − standard deduction) minus tax on that amount less C. Roth contribution = C − S (same paycheck cost). Value = yearly amount grown at the return for the years given; traditional value × (1 − retirement tax rate); Roth value tax-free.

Assumptions and limits

Data and sources

Figures and rules used: 2026.

Main sources: IRS: 2026 contribution limits for 401(k) plans and IRAs, including Roth IRA income limits (IR-2025-111); IRS Notice 2025-67: 2026 retirement plan limits; IRS: Roth comparison chart. See all 4 sources under Data sources below.

Methodology last reviewed: November 8, 2026. Methodology, rounding and corrections

Sources

The rates, limits and data on this page are based on these publications:

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