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Retirement · 401(k), IRA & Roth

Roth vs. Traditional Calculator

Compare a Roth (after-tax) account against a Traditional (pre-tax) account at retirement.

  • Free to use here · embed on the Business plan
  • 5 inputs · 5 results
  • English & Spanish

Try the Roth vs. Traditional Calculator

See which account wins for you — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the Roth vs. Traditional calculator works out

The Roth vs. Traditional Calculator is a free, embeddable calculator from CalcFunnel. Compare a Roth (after-tax) account against a Traditional (pre-tax) account at retirement.

You enter 5 inputs: annual contribution (pre-tax), years to grow, annual return (%), tax rate now (%) and tax rate in retirement (%).

It returns roth after-tax value, traditional after-tax value, difference (Roth - traditional), pre-tax growth and total contributed.

Built for financial advisors and planners. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category.

Results it shows

  1. 01Roth After-Tax Value
  2. 02Traditional After-Tax Value
  3. 03Difference (Roth - Traditional)
  4. 04Pre-Tax Growth
  5. 05Total Contributed

The first figure — roth after-tax value — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Contributions & Growth

Annual Contribution (pre-tax)
The pre-tax amount of contribution power per year, applied equally to both options.
Years to Grow
Years until withdrawal.
Annual Return (%)
The average annual investment return, compounded monthly.

Tax Rates

Tax Rate Now (%)
Your marginal tax rate today — what a Roth contribution is taxed at.
Tax Rate in Retirement (%)
Your expected marginal tax rate in retirement — what Traditional withdrawals are taxed at.

For your website

Embed this calculator on your website

Put the Roth vs. Traditional Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Roth vs. Traditional calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Roth vs. Traditional Calculator calculate?
Compare a Roth (after-tax) account against a Traditional (pre-tax) account at retirement. It returns roth after-tax value, traditional after-tax value, difference (Roth - traditional), pre-tax growth and total contributed.
Q.02What information do I need to use the Roth vs. Traditional Calculator?
You enter 5 inputs: annual contribution (pre-tax), years to grow, annual return (%), tax rate now (%) and tax rate in retirement (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Annual Contribution (pre-tax)” mean in the Roth vs. Traditional Calculator?
The pre-tax amount of contribution power per year, applied equally to both options.
Q.04What does “Years to Grow” mean in the Roth vs. Traditional Calculator?
Years until withdrawal.
Q.05Is the Roth vs. Traditional Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category. Compare plans.
Q.06Can I embed the Roth vs. Traditional Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Roth vs. Traditional Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Roth vs. Traditional results financial advice?
No. Estimates only. Compares equal pre-tax contribution power: Traditional is taxed at withdrawal, Roth is taxed now and grows tax-free. Real results depend on tax law, income and contribution limits. Consult a tax professional.

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