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Retirement Contribution Analyzer (Advanced)

This advanced calculator helps you compare Roth, 401(k), and Traditional IRA contributions over time, factoring in current and future tax rates, state taxes, investment growth, and optional out-of-pocket normalization.

If you're looking for a quicker, more streamlined experience, a simplified version of this tool will be available soon. For those seeking detailed control and comprehensive modeling, this advanced version is designed to support more nuanced retirement planning scenarios.

Retirement Contribution Analyzer

Model Roth vs. Pre‑Tax, tax‑effected, with growth, fees & inflation.
Theme
💡 Employer match is always pre‑tax by law.📈 Monthly compounding by default.

Contributions

Amount per selected cadence
Amount per selected cadence
Enter dollars per selected cadence
Amount per selected cadence
Amount per selected cadence
Annual increase in your contributions

Taxes

Combined (federal + state, approx.)
Applied to future pre‑tax withdrawals

Growth, Fees & Inflation

Total Future Value Real
$0
After‑tax (pre‑tax accounts tax‑adjusted at retirement rate)
Roth Accounts (after‑tax)
$0
Roth 401(k) + Roth IRA
Pre‑Tax Accounts (after‑tax)
$0
Traditional 401(k) + Match + Traditional IRA
Est. Current‑Year Tax Savings
$0
Annualized: pre‑tax contributions × current marginal rate
Roth (after‑tax)
Pre‑Tax (after‑tax)
Total

Milestones

YearRothPre‑Tax (after‑tax)Total
Methodology: Monthly compounding using net return (expected − fees). Pre‑tax balances are translated to after‑tax values using your retirement marginal tax rate. “Today’s dollars” deflate using inflation. Assumes no early withdrawal penalties and no RMD effects. Employer match enters the pre‑tax bucket. 
 

Disclaimer:
This calculator is provided for informational and educational purposes only. Results are estimates and may not reflect your exact tax liability or investment outcomes. Tax laws, rates, and financial markets change frequently, and individual circumstances may vary. This tool does not constitute legal, tax, investment, or accounting advice. For personalized guidance, please consult a qualified tax professional. Use of this calculator is at your own risk.