Money tools
Should I do Roth or Traditional?
Roth pays the tax now, Traditional pays it in retirement. If your bracket is the same either way the two are identical — so the whole question is whether you expect to be taxed more or less later.
What you're putting in
SHAREDMeasured before tax, so both paths start from the same gross pay.
Your tax rates
THE DECIDERThe band your next dollar of income falls in.
Your effective rate on withdrawals, not your marginal band. The model applies this flat to the whole balance; real withdrawals fill the brackets from the bottom, so the effective rate is usually well below the marginal one — which favours Traditional more than a marginal figure here would show.
Traditional frees up cash today. If you invest it in a taxable account, this is the bite taken out of its return.
Enter a contribution, both tax rates and your time horizon to compare.
All four happen in your browser. Your figures are not sent anywhere — the email opens in your own mail app, already filled in.