Traditional vs Roth Calculator Essentials-Vorlage
Compare Traditional and Roth IRA outcomes side by side. Factor in current and projected tax rates to see which account type may result in more after-tax retirement income.
Was enthalten ist
- Dashboard with side-by-side comparison of Traditional and Roth IRA projected after-tax balances
- Comparison setup with current tax rate, expected retirement tax rate, contribution amount, and time horizon
- Year-by-year projection table showing pre-tax and after-tax growth for both account types in parallel
- After-tax value comparison highlighting the net difference between Traditional and Roth outcomes at retirement
- Tax bracket impact analysis showing how changes in current or future tax rates shift the outcome
- Works in Microsoft Excel, Google Sheets, and LibreOffice Calc with no setup required
Vorschau
Sehen Sie, was in dieser Vorlage enthalten ist
So verwenden Sie diese Traditional vs Roth Calculator-Vorlage
Enter your tax rates
Input your current marginal tax rate and your expected tax rate in retirement. These drive the comparison results.
Set contribution details
Enter the annual contribution amount, expected return rate, and number of years until retirement.
Review the projections
The year-by-year table shows pre-tax and after-tax growth for both Traditional and Roth accounts in parallel.
Compare after-tax results
The dashboard highlights which account type produces more after-tax income based on your current vs retirement tax rates.
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Häufig gestellte Fragen
When is Roth typically better?
Roth accounts tend to produce better after-tax results when your retirement tax rate is higher than your current rate. The calculator shows the exact difference for your inputs.
When is Traditional typically better?
Traditional accounts tend to produce better results when your retirement tax rate is lower than your current rate, since withdrawals are taxed at the lower future rate.
Does it account for the tax deduction?
Yes. The Traditional column factors in the upfront tax deduction and taxes withdrawals in retirement. The Roth column shows after-tax contributions growing tax-free.
Can I change the return rate?
Yes. The return rate field is adjustable. Both account projections use the same rate so the comparison isolates the tax treatment difference.
Wie öffne ich diese Vorlage in Google Sheets?
Laden Sie die .xlsx-Datei auf Google Drive hoch und öffnen Sie sie mit Google Sheets. Alle Formeln und Formatierungen bleiben erhalten.
Weitere Essentials-Vorlagen: Savings & Retirement
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