Roth vs. Traditional IRA Calculator

Choosing the right Individual Retirement Account, or IRA, can make a big difference in your retirement strategy and savings. Our Roth vs. Traditional IRA Calculator helps you compare the long-term value of a Roth IRA—where contributions are taxed now but withdrawals are tax-free—with a Traditional IRA, where contributions may be tax-deductible but withdrawals are taxed in retirement.

Just enter your before-tax income, contribution amount, age and expected retirement age. You’ll see a side-by-side comparison of your potential balance at retirement and how each option could grow over time, factoring in your tax rates and expected rate of return.

What are the current contribution limits for IRAs?

The current contribution limits for IRAs depend on your age and the type of account. For 2025, you can contribute up to $7,000 to a Roth or Traditional IRA, or $8,000 if you're age 50 or older.

Want to know how much you need to save to retire? Try our retirement savings calculator or check out our blog.

How We Can Help You Save for Retirement

We can help you save for retirement by providing financial planning, advice and retirement accounts that are right for you based on your unique situation. We provide our members with the best investment, loan and bank account options to ensure they can properly and confidently manage their money. 

Wondering how you can start saving money today? Make progress towards reaching your retirement goals by opening a retirement account with us.

California Credit Union cannot and does not guarantee the accuracy or the applicability to your individual circumstances. All examples are hypothetical and are for illustrative purposes. Calculator results are estimates based on information you provided and California Credit Union does not guarantee your ability to receive these terms. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.