Roth after-tax vs. traditional pre-tax Calculator

A traditional pre-tax contribution can be an effective retirement savings tool. Another contribution option may be available in your retirement plan account, the Roth after-tax contribution option. The Roth option allows you to contribute to your  retirement plan account on an after-tax basis - and pay no taxes on qualifying distributions when the money is withdrawn. For some investors, this could prove to be a better option than contributing on a pre-tax basis, where deposits are subject to taxes when the money is withdrawn. Even though the calculator below shows Roth 401(k) vs. Traditional 401(k), you can still use this calculator if you have a 403(b) plan and/or a 457(b) plan and your plan offers the Roth after-tax contribution option.  Use this calculator to help determine the best option for your retirement.

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