IRA Tax Estimator.
Enter your income, age, and 401k status. Get your Traditional IRA deductibility status and a 30-year after-tax projection for both account types.
IRA Tax Savings Estimator
Roth vs. Traditional — personalized 30-year model
In this scenario, Roth IRA produces a stronger estimated after-tax outcome. Traditional IRA may be non-deductible.
Assumes $7,000/yr contribution, 7.3% avg annual return, 18% effective retirement tax rate. Illustrative only — individual results will vary significantly.
Illustrative model. Not tax or financial advice.
Consult a qualified professional.
The Deductibility Cliff
For single filers with a 401k plan, the Traditional IRA deduction phases out between $79,000–$89,000 MAGI in 2026. Above $89k, your Traditional IRA contribution is fully non-deductible — a critical factor this tool accounts for.
What the Model Assumes
Projections use $7,000/year contribution, 7.3% average annual return, and an 18% effective retirement tax rate. These are illustrative assumptions — your actual outcomes depend on future tax policy, investment performance, and individual circumstances. Always consult a qualified tax professional.
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