Roth IRA vs Traditional IRA: Which One Actually Wins in 2026?
We run the 2026 numbers for every income bracket — and the answer might surprise tax-bracket dogmatists.
Read article →IRA Comparison Calculator
Compare Traditional, Roth, and SEP IRAs side-by-side.
Understanding This Calculator
Different IRAs offer different tax treatments, contribution limits, and eligibility rules. Use this tool to model side-by-side outcomes for your specific tax bracket and timeline.
Core Formula
FV_TaxFree vs FV_Taxable with drawdown taxes
Can I have multiple IRAs?
Yes. You can own multiple IRAs, though annual contribution limits apply across all IRA accounts in aggregate.
Should I convert Traditional to Roth?
A Roth conversion can make sense if you expect your tax rate to rise, or if you have a year with unusually low taxable income.
* All calculations above are theoretical estimates. Actual returns vary based on market performance, fees, taxes, inflation, and economic factors. This tool is for educational purposes only — not financial advice.
Related Calculators
🏖️
Roth IRA Calculator Calculator
Estimate tax-free growth with a Roth IRA.
Open calculator →
🌿
IRA Investment Growth Calculator
Model tax-advantaged IRA growth from now until retirement.
Open calculator →
🏢
401(k) Planner Calculator
Maximize your employer match and annual contributions.
Open calculator →
🔥
FIRE Calculator Calculator
Model your Financial Independence, Retire Early path.
Open calculator →