Roth vs. Traditional IRA Calculator

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Your Information

Current Age

yrs

Age at Retirement

yrs

Current Roth IRA Balance

Enter $0 if starting fresh.

Current Traditional IRA Balance

Enter $0 if starting fresh.

Annual IRA Contribution

2025 limit: $7,000 ($8,000 if age 50+). Check "Maximize" below to auto-apply.

Options

Maximize contributions (incl. catch-up at 50+) Married (filing jointly) Covered by employer plan (401k, pension, etc.)

Adjusted Gross Income (AGI)

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Rate Assumptions

Expected Annual Return

7.0%

Current Tax Rate

Enter your marginal (top bracket) rate. Unsure? Use your top bracket from last year's tax return.

2025 Federal Tax Brackets — Reference

Rate	Taxable Income
10%	$0 – $11,925
12%	$11,926 – $48,475
22%	$48,476 – $103,350
24%	$103,351 – $197,300
32%	$197,301 – $250,525
35%	$250,526 – $626,350
37%	Over $626,350

Rate	Taxable Income
10%	$0 – $23,850
12%	$23,851 – $96,950
22%	$96,951 – $206,700
24%	$206,701 – $394,600
32%	$394,601 – $501,050
35%	$501,051 – $751,600
37%	Over $751,600

Estimated Retirement Tax Rate

Unsure? Many people estimate one or two brackets lower than today — but this is worth a real conversation.

Roth IRA

Starting Balance —

Total Contributions —

Tax-Free Earnings —

Account Value —

After-Tax Value —

Traditional IRA

Starting Balance —

Total Contributions —

Earnings —

Account Value —

After-Tax Value —

After-Tax Value at Retirement

Roth IRA —

Traditional IRA —

Year-by-Year Projection

Age	Year	Roth Balance	Roth After-Tax	Trad Balance	Trad After-Tax

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Tax diversification — holding both account types — is one of the most powerful and underutilized tools in retirement planning. If any of this resonates, feel free to reach out. Always happy to have a conversation.

Schedule a Conversation

Disclosure: This calculator is for illustrative and educational purposes only and does not constitute financial, tax, or legal advice. Results are hypothetical and based on assumptions that may not reflect your actual situation. Contribution limits, income phase-outs, and tax law are subject to change. Traditional IRA deductibility depends on your AGI, filing status, and employer plan coverage. Please consult a qualified financial advisor or tax professional. Erdman Financial Group is a registered investment advisor operating in partnership with Brookstone Capital Management.

Results Will Appear Here

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Fill in your information and click Calculate Comparison to see a side-by-side projection of your Roth vs. Traditional IRA outcomes.

Your Information

Rate Assumptions

Results Will Appear Here

The right account type depends on your full tax picture — not just today's rate.