This calculator is designed to help you compare the possible results of investing in a Traditional (pre-tax) and a Roth (after-tax) retirement plan. It provides three points of comparison: Impact on Take Home Pay, Estimated Retirement Account Balance, and Estimated Distributions From Retirement Account. Whether you participate in a 401(k) or 403(b) program, this analysis will assist you in determining which option may be best for you based on your personal financial situation. Keep in mind that there may be other factors — not included in this analysis — to consider. Additional information is available for Roth 401(k) contributions and Roth 403(b) contributions.

Note: This calculator is a Java applet and may not be optimized for some versions of browsers developed for the Apple Macintosh operating system.

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This calculator is not intended to be used to avoid tax penalties and was prepared to support the promotion or marketing of the matter addressed in this document. The taxpayer should seek advice from an independent tax advisor.

How to Use this Calculator
Answer each of the questions presented to the best of your knowledge, and click "Calculate." When your result is displayed, you may use the slide bars to adjust your original inputs, or choose "Back" to manually alter the values. The blue text on the calculator inputs provides links to a help screen that explain each of the input fields. You may also access the help screen by clicking on the help icon.

Copyright © 2006 ING North America Insurance Corporation. All rights reserved. This calculator is protected by copyright and other applicable federal and state laws. Copying, distributing, performing or displaying all or portions of this calculator or otherwise interfering with the exclusive rights of ING North America Insurance Corporation without permission is strictly prohibited.

Roth Contribution Comparison Calculator