Roth vs traditional IRA calculator
Should you pay tax now (Roth) or later (traditional)? Compare what you keep in retirement.
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How this calculator works
With a traditional IRA you may deduct the contribution now and pay tax when you withdraw. With a Roth IRA you pay tax now and qualified withdrawals are tax-free. If you expect a lower tax rate in retirement, traditional often wins; if higher, Roth often wins. The 2026 IRA limit is $7,500, plus $1,100 at 50 and older.
A calculator gives you an estimate. A licensed CPA gives you the right answer.
Use these calculators to plan, then bring your numbers to Syed Services. A licensed CPA checks your taxes, your business structure and your 2026 and 2027 plan in a free consultation, at the best price in the market.
Source: IRS: 2026 401(k) and IRA limits (IR-2025-111)
Figures and rules on this page come from the official and published sources linked above, as of November 2026. People and numbers in the examples are made up to explain the idea. This page is general information, not tax or legal advice for your situation, and laws change; check the linked source or ask a licensed CPA before you act.
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