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This IRA calculator helps you determine whether a Traditional IRA or Roth IRA is the best vehicle for your retirement savings and is based on the 2013 IRA contribution and deduction limits. Note: Roth 401(k) comparisons should not be made with this calculator.

 
 
Your Plan
Your Age & Retirement Age
45
Current
45
Retirement
Adjusted Gross Income
$105,000
Annual IRA contributions
$3,200
Tax Rate(Federal & State)
20.00%%
Retirement Tax Rate(Fed & State)
15.00%%
6.50%%
Participate in an Employer Plan
Select a tax filing status
Max Annual IRA Contributions
Detailed Comparison
 Traditional IRARoth IRA
Total Contributions$64,000$64,000
Investment growth$132,317$132,317
Taxes due at retirement$10,247--
Value of reinvested$0--
Value at retirement (age 65)$122,069$132,317
Next Steps
Things to Think About
Understanding the differences between a Roth and a Traditional IRA is important when choosing an individual retirement account. Consult a tax or financial advisor with questions concerning which type of IRA may meet your individual needs.
  • Federal Tax Advantages
    A Roth IRA offers Tax-Free growth while a Traditional IRA offers Tax Deferred growth.
  • Mandatory Withdrawal
    Withdrawals for a traditional IRA must begin after 70½. There is no mandatory withdrawal for a Roth IRA.
Learn More about IRAs
For details on criteria, calculations, limitations and assumptions used, please see:

Calculations & Assumptions
This calculator is for informational purposes only and should not be considered investment advice. The results presented by this calculator are hypothetical and may not reflect the actual growth of your own investments. It also assumes that all contributions to a traditional IRA are made on a before-tax basis and that no distributions are taken before age 59 ½. It does not take minimum distribution requirements into consideration. Scottrade is not responsible for the consequences of any decisions or actions taken as a result of information provided by this tool. Scottrade is not responsible for any human or mechanical errors or omissions. Please consult a tax, legal, or financial advisor with questions regarding your investment objectives and personal tax or financial situation.
在史考特®資訊中心提供的信息和內容僅為信息和/或教育目的。提供或討論的信息不代表史考特或其附屬機構在推薦、征詢一個證券或其它金融產品的買賣和持倉，也不是對某個投資策略的認可或肯定。您對您的投資決策負完全責任。您選擇投資某個特定的產品或實施某特定的投資策略應基於您自己的研究和您對所牽涉的風險、您的財務狀況和您的投資目標的評估。史考特和其附屬機構不提供、也不將提供任何建議、觀點或對任何特定的投資產品和策略就其適用與否、價值或盈利與否做出任何推薦。