What's inside
- Compare: age, retirement age, contribution and yearly increase, return, tax rate now and in retirement, and two comparison modes: the same contribution (with the traditional tax savings invested) or the same take-home cost
- Results: balances before tax, tax on withdrawals, the taxable account from the tax you saved, what each leaves you to spend, the difference and the break-even retirement tax rate
- Year by year: contributions and balances for both, up to 50 years, with a chart
- Sample file: age 30 to 65, $7,000 a year, 22% tax now and 15% later: traditional leaves $59,640 more; Roth would win above a 19.6% retirement rate
Checked, not just designed: all 363 formulas recalculate with zero errors, and every result was checked against an independent calculation in 7 scenarios, including the exact ties the math predicts.
Works in Excel and Google Sheets. Not tax advice.
Try the free version first
The free online calculator uses the same model for a quick answer. The spreadsheet adds tracking, history and the full views.