Compare Roth 401(k) Versus Before-Tax

Find out if Roth 401(k) contributions or before-tax contributions best meet your needs. Consider the tax advantages of both, and which may provide you with the most income at retirement.
Common Assumptions
Current age 
Current annual income ($) 
Annual salary increases (%)help
Pay period frequency 
Years until retirement 
Tax Rate Assumptions
Current federal tax bracket (%)help
Current state tax bracket (%) 
Anticipated federal tax bracket at retirement (%)help
Anticipated state tax bracket at retirement (%) 
Plan Information
Contribution rate (%) 
Maximum rate matched by employer (%)help
Employer match percentage (%)help
Annual return on savings (%)help
This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. Neither CalcXML, the plan sponsor, nor Alight Solutions, LLC or its subsidiaries and affiliates have any fiduciary duties, responsibilities or liabilities regarding your use of this tool. No tax, investment, financial or legal advice is offered or given by this tool. In addition, information provided by this tool is intended to be an aid in your financial planning and should not be relied upon as the only source of information for you to consider. The information and calculations are intended to be illustrative and are supplied from sources we believe to be reliable, but we cannot guarantee their accuracy. Because your circumstances are unique, you need to assess your own situation and you may want to consult your tax or financial advisor for guidance. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

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