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Roth vs TraditionalTax Strategy · 5 min

For illustration only — not financial advice. Verify assumptions before making decisions.

Account Type
Current Age
181870
Retirement Age
404080
Annual IRA Contribution ($)
$500$500$8K
Under 50 limit: $7,000 · $8,000 at 50+
Current Federal Marginal Tax Rate (%)
0%0%50%
Expected Retirement Federal Tax Rate (%)
0%0%50%
Annual Investment Return (%)
1%1%15%
State Tax Rate (%)
Applied on both sides — Traditional deduction saves federal + state; withdrawals taxed at federal + state.