401(k) Calculator vs Roth IRA Calculator
Side-by-side comparison to help you choose the right tool for your needs.
401(k) Calculator
Investment CalculatorsEstimate your 401(k) balance at retirement with employer match, contribution limits, and salary growth projections.
Try Tool A →Roth IRA Calculator
Investment CalculatorsProject your Roth IRA's tax-free growth, check income eligibility, and compare Roth vs Traditional IRA strategies.
Try Tool B →| Feature | 401(k) Calculator | Roth IRA Calculator |
|---|---|---|
| Category | Investment Calculators | Investment Calculators |
| Use Case | Estimate your 401(k) balance at retirement with employer match, contribution limits, and salary growth projections. | Project your Roth IRA's tax-free growth, check income eligibility, and compare Roth vs Traditional IRA strategies. |
Detailed Comparison
The 401(k) Calculator models pre-tax contributions with employer matching in a traditional 401(k). The Roth IRA Calculator models after-tax contributions that grow and are withdrawn tax-free in retirement. Choosing between them depends on your current vs. expected future tax bracket.
When to use 401(k) Calculator
Use the 401(k) Calculator when your employer offers a match — free money should not be left on the table. It is also better if you expect a lower tax rate in retirement.
When to use Roth IRA Calculator
Use the Roth IRA Calculator if you expect higher taxes in retirement or want tax-free withdrawals. It is especially valuable for younger earners in lower brackets.
The Verdict
Most people benefit from contributing to both: 401(k) up to the employer match, then Roth IRA for tax diversification.