Roth, Traditional, or taxable — which actually wins?
Enter your income now and in retirement, your age, and what you save each year. See the real after-tax dollars you'd take home from each — including the capital-gains tax a Roth quietly avoids.
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Sample result
PreviewAfter 30 years, after-tax take-home
Traditional
$544,000
Roth★
$558,000
Taxable
$493,000
The Roth quietly avoided ~$58,000 in capital-gains tax
vs holding the same money in a taxable brokerage — because a Roth's growth is never taxed.
Run it with your own numbers
The now-vs-later tax bet
Roth vs Traditional is really one question: is your tax rate lower now or in retirement? The calculator estimates both from your income and filing status and shows who wins, in dollars.
Ordinary income vs capital gains
A Traditional account turns growth into ordinary income; a taxable account taxes it as capital gains; a Roth never taxes it at all. The tool puts a number on each so the trade-offs are obvious.
Frequently asked questions
Stop guessing on Roth vs Traditional.
Create a free account to see your real after-tax take-home from each account — then learn to put every tax-advantaged dollar in the right order in Build Real Wealth.