Traditional 401(k) vs Roth 401(k) Calculator
Traditional 401(k) vs Roth 401(k) Calculator
Advanced tax-arbitrage simulation tracking dynamic 2026 IRS caps, catch-up bands, and SECURE Act 2.0 parameters.
IRS Contribution Constraints
2026 Maximum Baseline Cap: $24,500
Marginal Tax Arbitrage Matrix
Strategic Optimization
Processing Scenarios…
Net Take-Home Delta
$0
Option A: Traditional 401(k)
Accumulated Terminal Corpus: $0
Deferred Ordinary Income Tax: -$0
Net Spendable Capital Pool: $0
Option B: Roth 401(k)
Accumulated Terminal Corpus: $0
Retirement Tax Extraction: $0 (Tax-Free)
Net Spendable Capital Pool: $0
Pro-Planning Strategy: If you find yourself completely stuck in the middle or your tax bracket sits in the 22% or 24% gray area, consider splitting the difference. Allocating 50% of your contributions to a Traditional 401(k) for an immediate tax break and 50% to a Roth 401(k) for tax-free growth creates perfect structural tax diversification for your future retirement portfolio