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How this calculator works
Traditional: the full amount grows, then withdrawals are taxed at the retirement rate. Roth: the amount is taxed now, then grows and is withdrawn tax-free. Assumes the same pre-tax dollars either way.
Frequently asked questions
What if rates are equal?
With equal tax rates now and later, both end up the same. Roth wins when your future rate is higher; traditional wins when it is lower.