Roth vs. Traditional IRA calculator

Choosing between a Roth vs. Traditional IRA depends on your income level and financial goals. Our Roth vs. Traditional IRA Calculator can help you decide.

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Enter a few step-by-step details

Enter a few step-by-step details in our Roth vs. Traditional IRA Calculator to see which type of retirement account may be right for you and how much you can contribute. Compare estimated future values over time, too.

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Common questions

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This tax information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, Schwab recommends that you consult with a qualified tax advisor, CPA, financial planner, or investment manager. Depending on the type of account you have, there are different rules for withdrawals, penalties, and distributions.  Please understand these before opening your account.


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