// multi-utility computation suite · offline · instant · precise
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pfin.roth-vs-traditional Calculator
Compares Roth IRA vs. traditional IRA by projecting after-tax retirement wealth under both strategies at different marginal tax rate assumptions. Roth wins if your tax rate is higher in retirement; traditional wins if it's lower — this shows the break-even rate.
Inputs
Contribution
Reference formula or conversion factor shown for context.
Current Tax Rate
Rate of charge flow (A). I = V/R. Above ~100 mA through the body can be lethal. Fuses protect against overcurrent.
Retirement Tax Rate
Amount per unit of time or per unit quantity. Check the denominator before interpreting.
Years
Reference formula or conversion factor shown for context.
Results
Traditional after-tax withdrawals
Sample size or count used in the calculation.
Roth after-tax value
The computed numeric or monetary value.
better choice
Reference formula or conversion factor shown for context.
future value (pre-tax)
What your investment will be worth at the end of the period. The power of compounding: $10,000 at 8% for 30 years grows to about $100,000.
break-even if same rates
The price, quantity, or time at which total revenue equals total cost — neither profit nor loss.