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💼 Retirement Tool

Roth vs Traditional
IRA

Compare after-tax growth, RMDs and the best account choice based on your age, tax bracket and timeline.

Your Details
Current Age 30
years
1870
Retirement Age 65
years
4580
Annual Contribution 2024 limit: $7,000 / $8,000 if 50+
$
$0$8K
Current Tax Bracket (marginal)
Expected Tax Bracket in Retirement
Expected Annual Return 7.0%
%
1%12%
Annual Withdrawal in Retirement
$
State Income Tax Rate
%
IRA Comparison
Recommended Account
—
Calculating...
Traditional IRA
$0
Balance at Retirement
After-Tax: $0
Tax saved now: $0
Roth IRA
$0
Tax-Free Balance
Eff. after-tax: $0
No RMDs required
Growth Comparison
Traditional — Pre-Tax Balance
$0
Roth — Tax-Free Balance
$0
Traditional After Taxes
$0
Year-by-Year Growth (10-yr intervals)
AgeTraditionalRothDifference
💼

IRA Verdict

Calculating...

💡
RMD Warning (Traditional IRA): Required Minimum Distributions start at age 73, forcing taxable withdrawals whether you need the money or not. Roth IRAs have no RMDs during the owner's lifetime — a significant advantage for estate planning and tax control in retirement.

Optimise Your Retirement Account Strategy

Our advisors help you choose the right account mix, contribution strategy and withdrawal sequence.

💬 Get Retirement Advice →