Roth vs 401(k) vs Taxable Calculator

Roth vs. 401(k) vs. Taxable

Where should your money go

Your Investment

Monthly Investment Amount

Years Until Retirement

30 years 5 – 40 yrs

Tax Assumptions

Current Tax Rate

32% 10% – 50%

Your marginal tax rate today.

Expected Tax Rate in Retirement

25% 10% – 50%

Your best estimate of taxes when you withdraw.

Best Outcome

After taxes.

Roth IRA Tax-free growth. Never taxed again.	$0
401(k) / Tax-Deferred Tax-deferred. Pay later. 401(k), 403(b), SEP-IRA, Solo 401(k) and more.	$0
Taxable Account Taxed yearly. Least efficient.	$0

The wrong account costs you $0 over time.

Same investment. Different outcome. Taxes decide what you keep.

Assumes a 7% annual return across all accounts.

Now see what this becomes over time. How does this grow?