Roth vs Traditional — The Tax-Timing Decision, Solved

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About this tool

Both accounts grow tax-free — the only difference is when you pay tax. Traditional saves tax at your current (usually higher) working bracket; Roth locks in today's tax and every dollar of growth comes out tax-free. Rule of thumb baked into this calculator: higher bracket now → Traditional; lower bracket or early career → Roth; the comparison outputs equal after-tax wealth, and the winner is decided by your two bracket inputs.

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