Traditional vs. Roth 401(k) Calculator

Your current age is used to determine the number of years until retirement.

The age at which you plan to retire. This determines the investment horizon.

The total amount currently saved in your 401(k) account(s).

e.g., 50% = 50¢ per $1 you contribute; 100% = dollar-for-dollar. Check your HR portal or offer letter.

The maximum percentage of your salary that your employer will match (e.g., up to 6% of your salary).

The expected annual percentage increase in your contributions, often tied to salary increases.

Number of years required to work at the company before employer contributions are fully yours.

The anticipated average annual rate of inflation, used to calculate real returns.

Your general comfort level with investment risk. This can influence suggested asset allocations.

Choose how your contributions are taxed.

Percentage of your total contribution allocated to the Traditional (Pre-tax) 401(k). The remainder goes to Roth.

Your current combined federal and state marginal tax rate.

Your estimated combined marginal tax rate during retirement.