Roth Analyzer

This tool will help you determine whether to save to your regular or Roth 401(k) account.

Based on your desired 401(k) savings level, this tool will compute your projected retirement balance and expected income for the available combinations of regular and Roth contributions and display them in the table below. The tool will also allow you to do "what if" analysis under different tax and rate of return assumptions. State and local taxes, insurance and other benefit plan deductions are not included in this analysis.

After you've entered / confirmed your information below, press "Calculate" to view your comparison results.

¹Catch-up contributions are included in the analysis when you are age 50 or above and have chosen to analyze your contributions at the maximum in both the traditional and Roth 401(k). For comparison purposes, catch-up contributions are not applied when you are contributing at the maximum in your traditional 401(k), but have chosen the "Keep take-home pay the same" option.
²Since Roth 401(k) contributions are made on an after-tax basis, you will be required to contribute more to achieve an equivalent level of savings when compared to a traditional 401(k). This analysis option assumes that the pretax amount allocated to your Roth 401(k) savings is equivalent to your traditional 401(k) contribution, meaning your actual Roth 401(k) contribution is less, depending on your tax rate.
³Since Roth 401(k) contributions are made on an after-tax basis, you will be required to contribute more to achieve an equivalent level of savings when compared to a traditional 401(k). This analysis option assumes that you are able to contribute equal amounts to your traditional and Roth 401(k) accounts on an after-tax basis. Depending on your tax rate, your Roth 401(k) contribution needed to achieve an equal savings level may be significantly higher than your traditional 401(k) contribution.

The calculators provide hypothetical examples and are not intended to represent past or future performance of a specific investment which cannot be predicted or guaranteed, or to provide specific advice to any individual. Rates of return will vary over time. Those investments offering a higher rate of return also involve a higher degree of risk.