Based on the assumptions you provided, your $900 annual contribution for 32 years could provide as much as $12,724 per year ($1,060 per month) for your anticipated 32 year distribution period.<table class='pure-table' role='grid'><tr><th colspan='3' class='section'>401(k) Analysis</th></tr><tr><th class='section'>Accumulation Phase</th><th scope="col">Roth 401(k) (Non-Deductible)</th><th scope="col">401(k) (Deductible)</th></tr><tr><td>Annual contribution (before tax)</td><td>$900</td><td>$900</td></tr><tr><td>Additonal tax savings invested in 'side account'*</td><td>$-0</td><td>$261</td></tr><tr><td>Total annual contribution (after tax)</td><td>$900</td><td>$1,161</td></tr><tr><td>Interest rate (accumulation phase)</td><td>9.00%</td><td>9.00%</td></tr><tr><td>Term (accumulation phase)</td><td>32</td><td>32</td></tr><tr><td><b>Account value at retirement</b></td><td><b>$160,921</b></td><td><b>$188,115</b></td></tr><tr><th class='section'>Distribution Phase</th><th scope="col">Roth 401(k) (Non-Deductible)</th><th scope="col">401(k) (Deductible)</th></tr><tr><td>Account value at retirement</td><td>$160,921</td><td>$188,115</td></tr><tr><td>Term (distribution phase)</td><td>32</td><td>32</td></tr><tr><td>Interest rate (distribution phase)</td><td>7.00%</td><td>7.00%</td></tr><tr><td>Annual income before taxes</td><td>$12,724</td><td>$14,217</td></tr><tr><td>Annual income tax</td><td>$0</td><td>$5,726</td></tr><tr><td><b>After-tax annual income</b></td><td><b>$12,724</b></td><td><b>$8,491</b></td></tr><tr><td><b>After-tax monthly income</b></td><td><b>$1,060</b></td><td><b>$708</b></td></tr></table> <div id="chart1Container">Chart will load here</div> <script type="text/javascript"> <!-- var myChart1 = new FusionCharts( "MSColumn2D", "myChart1Id", "100%", "100%", "0", "1" ); myChart1.setXMLData("<chart showValues='1' showFCMenuItem='0' decimals='0' formatNumberScale='0' caption='Monthly Retirement Income' xAxisName='' numberPrefix='$' bgColor='FFFFFF' showBorder='1' borderColor='FFFFFF' borderThickness='1' canvasBgColor='ffffff' showAlternateHGridColor='0' plotGradientColor=''><categories><category label='' /></categories><dataset seriesName='Roth 401(k) Non-Deductible'><set value='1060.0' /></dataset><dataset seriesName='401(k) Deductible'><set value='708.0' /></dataset></chart>"); // --> </script> * In order to reflect the tax advantaged nature of the Traditional 401(k), a taxable 'side account' has been included to hold the tax savings generated by the income tax deduction.