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The 401(k) vs Roth IRA decision shapes your retirement strategy. 401(k)s offer higher contribution limits and employer matching, while Roth IRAs provide tax-free withdrawals and more flexibility. Many investors use both for optimal tax diversification.
Input your current age and planned retirement age.
Enter your current salary and existing savings.
Set your contribution rate and employer match.
Enter expected salary growth and return rate.
See projected retirement balance and growth.
Adjust to reach your retirement goals.
Input your current age and planned retirement age.
Enter your current salary and existing savings.
Set your contribution rate and employer match.
Enter expected salary growth and return rate.
See projected retirement balance and growth.
Adjust to reach your retirement goals.
The 401(k) vs Roth IRA decision shapes your retirement strategy. 401(k)s offer higher contribution limits and employer matching, while Roth IRAs provide tax-free withdrawals and more flexibility. Many investors use both for optimal tax diversification.
The best choice depends on your individual financial situation, goals, and constraints. Use the calculators above to compare both options with your specific numbers.