IRA contributions are a key part of any tax efficient investing strategy. This tool can help you decide between the various options you have.
How To Use This Calculator
- This calculator will calculate the expected future after tax values of an investment made today in five different scenarios: Taxable Account, Roth IRA, Traditional IRA (Deductible), Traditional IRA (Nondeductible), Backdoor Roth IRA.
- You must enter your expected returns, tax rates, and time horizon.
- You may not be eligible for certain scenarios included in this calculator. You can use our IRA eligibility tool to determine if you can make contributions directly to a Roth IRA or nondeductible contributions to a Traditional IRA.
Download this tool as a spreadsheet >>
Share This Tool
You are free to use this tool on your website. Simply copy and paste the HTML code below. You must include attribution and links to TaxEfficientInvestor.com
<style>@media screen and (max-width: 640px){#og_iframe{height: 500px;width:100%;}}@media screen and (min-width: 641px) and (max-width: 1024px){#og_iframe{height: 500px;width:100%;}}@media screen and (min-width: 1025px){#og_iframe{height: 1000px;width:100%;}}</style><div id='og_iframe' style='-webkit-overflow-scrolling: touch; overflow: auto;'><iframe title="IRA Decision Tool: Roth vs. Traditional vs. Taxable" src='https://wealthchannel.outgrow.us/649c816910960b3d2f80c810?custom=1' style='border: none; overflow: hidden; width:100%; height: calc(100% - 31px);' scrolling='yes' allow="camera *;"></iframe></div>
<p><a href="https://taxefficientinvestor.com/tools/ira-scenarios/">IRA Scenario Tool</a></p> created by <a href="https://taxefficientinvestor.com/">TaxEfficientInvestor.com</a></p>