401(k) Roth vs. Traditional Calculator (2026)

Compare Roth 401(k) and Traditional 401(k) using the 2026 elective-deferral limit ($24,500).

Instant results Private — runs in your browser Updated January 1970

Inputs

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Roth 401(k) wins
$329,392.17
Annual contribution (capped): $18,000.00 · Cap: $24,500.00

How it works

Monthly compounding · end-of-period contributions. Same gross contribution, capped at IRS 2026 limit for your age. Roth final is tax-free. Traditional final × (1 − retirement tax rate).

Frequently asked questions

Is this guaranteed?

No — these are projections that assume your inputs hold. Real markets and life are variable.

What's the 4% safe-withdrawal rule?

The Trinity Study suggests withdrawing 4% of a balanced portfolio in year one and adjusting for inflation typically lasts 30+ years.

Should I max out my 401(k)?

At minimum, capture the full employer match — that's free money. Beyond that, balance against debt payoff and emergency reserves.

Roth vs. Traditional?

Roth wins if you'll be in a higher tax bracket in retirement; Traditional wins if you'll be in a lower bracket.

When should I start saving?

Immediately. The single biggest variable in retirement success is years of compounding.

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Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.

Last updated January 1970