Roth 401(k) vs Traditional 401(k) Calculator
Contributions
Taxes
Take-home pay

Contributions to traditional 401(k) plans are pre-tax, which means that your taxes are based on your salary minus your contributions, instead of your full salary. So, your taxes are lower, and take-home pay is higher.

By comparision, Roth 401(k) contributions are after-tax, which means that you do not receive this tax break during your working years.

A traditional 401(k) could provide an additional $0 of take home pay per year until retirement.

Traditional 401(k) plans are tax-deferred, which means that you do not pay taxes on contributions; instead, you'll pay taxes on withrawals (distributions) during retirement.

By comparision, since Roth 401(k) contributions are made after-tax, qualified distributions are tax-free, which means that your annual retirement income will be higher.

A Roth 401(k) could provide additional income of $0 per year during retirement.

The projections and other information you will see here about the likelihood of various outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. The output of this calculator may vary with each use and over time. The tool does not consider specific securities held by you and does not, therefore, attempt to predict the future value of any specific securities. This calculator provides analysis based on your input along with many additional assumptions.