IRC §401(k) · §402A cited

Traditional 401(k) vs Roth Break-Even

See which retirement bucket wins with your numbers. Compound growth at 7% per year.

Current age

Retirement age

Current marginal tax rate (%)

Expected retirement tax rate (%)

Annual contribution ($)

Employer match (% of salary, capped at contribution)

Annual growth rate assumed (%)

At retirement (after tax)

Traditional 401(k)

Tax deferred. Taxed at withdrawal.

Roth 401(k)

After tax in. Tax free out.

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Employer match (always traditional, pre-tax): $0. Break-even retirement rate vs current: 0%

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Estimates only. Assumes constant rates, no salary growth, contribution within 2024 §402(g) limits ($23,000 elective deferral, $30,500 if age 50+). Have us run the real numbers. Phone 689-331-5723.