Roth vs. pre-tax

Compare Roth and pre-tax deferrals at the same contribution rate.

Prepared for

Prepared on

Assumptions

Gross pay (annual)

Contribution rate

% of gross

Both sides use this rate.

Current Roth balance

Current pre-tax balance

Years until retirement

yrs

Expected return

%/yr

Tax rates

Marginal tax rate today

Roth comes out of after-tax pay.

Tax rate at withdrawal

Applied when pre-tax money comes out.

Roth

—

Pre-tax

—

Roth contributed

—

Pre-tax contributed

—

Annual deferral

—

	Roth	Pre-tax
Starting balance	—	—
Monthly contribution	—	—
After-tax value at retirement	—	—
Pre-tax balance (before tax)	—	—