Age 75RMD $8,376
- Prior Traditional balance
- $206,057
- IRS divisor
- 24.6
- Available planned drawdown
- $32,620
- Additional RMD
- $0
- Ending Traditional balance
- $185,578
Roth vs. Traditional Calculator
Choose any Roth and Traditional contribution mix, compare retirement drawdowns and RMD pressure, and model a multi-year Roth conversion plan.
Free calculator
Compare Roth and Traditional tax timing
Jump to resultsTax-advantaged accounts
Use one gross savings budget to compare when taxes are paid, how planned withdrawals interact with RMDs, and how a mixed tax-bucket strategy may change lifetime outcomes.
Timeline and account assumptions
The first modeled age.
Planned drawdowns begin the following modeled year.
The ending age, capped at 95 because the modeled IRS Uniform Lifetime factors end there.
Choose the required-minimum-distribution starting age assumed for this educational projection.
This calculator compares tax treatment after account access is established. Eligibility, deductions, contribution limits, and available Roth features vary by account. Review Step 7 for IRA-specific eligibility and backdoor-Roth guidance, and verify workplace-plan features in the plan document.
Balances, contributions, and drawdown
Existing tax-free retirement assets modeled as qualified Roth dollars.
Current pre-tax retirement assets subject to future ordinary-income tax and RMDs.
The annual gross, before-tax cash-flow budget kept equal across every modeled mix.
A constant educational assumption applied after distributions and conversions.
The current marginal rate applied to the gross Roth contribution share before it enters the account.
The marginal tax rate applied to modeled Traditional distributions in retirement.
The annual drawdown in today's dollars, inflated to each future year and drawn after contributions end.
Used to translate today's planned drawdown into future dollars.
Roth conversions
No conversions added
- 50% Roth mix · modeled after-tax ending value
- $635,017
- Cumulative contributions
- $163,680
- Cumulative distributions
- $1,189,424
- Additional RMD pressure
- $0
- Cumulative estimated taxes
- $133,817
- Modeled Roth conversions
- $0
- Estimated conversion taxes
- $0
- Ending Roth
- $635,017
- Ending Traditional
- $0
Choose the contribution mix
50% Roth50% Traditional
Roth deposit: $2,280 annually after modeled current tax.
Traditional deposit: $3,000 annually.
Balance and drawdown through age 95
View the RMD schedule used in this projection
RMDs are not increased by the entered inflation rate. Each modeled RMD equals the prior December 31 Traditional balance divided by the current IRS Uniform Lifetime factor for that age. Inflation changes the planned drawdown target, while the available planned drawdown is capped at the projected Roth and Traditional balance available that year. Returns, withdrawals, contributions, and conversions change the balance used in the RMD calculation.
The Uniform Lifetime factors are not annually inflation-indexed, but future law or IRS regulations can revise the table. A different Joint and Last Survivor table may apply when a spouse more than ten years younger is the sole beneficiary; that exception is not modeled. Review the current RMD source and methodology before acting.
Age 76RMD $7,830
- Prior Traditional balance
- $185,578
- IRS divisor
- 23.7
- Available planned drawdown
- $33,599
- Additional RMD
- $0
- Ending Traditional balance
- $162,617
Age 77RMD $7,101
- Prior Traditional balance
- $162,617
- IRS divisor
- 22.9
- Available planned drawdown
- $34,607
- Additional RMD
- $0
- Ending Traditional balance
- $136,971
Age 78RMD $6,226
- Prior Traditional balance
- $136,971
- IRS divisor
- 22.0
- Available planned drawdown
- $35,645
- Additional RMD
- $0
- Ending Traditional balance
- $108,418
Age 79RMD $5,138
- Prior Traditional balance
- $108,418
- IRS divisor
- 21.1
- Available planned drawdown
- $36,715
- Additional RMD
- $0
- Ending Traditional balance
- $76,723
Age 80RMD $3,798
- Prior Traditional balance
- $76,723
- IRS divisor
- 20.2
- Available planned drawdown
- $37,816
- Additional RMD
- $0
- Ending Traditional balance
- $41,631
Age 81RMD $2,146
- Prior Traditional balance
- $41,631
- IRS divisor
- 19.4
- Available planned drawdown
- $38,950
- Additional RMD
- $0
- Ending Traditional balance
- $2,868
Age 82RMD $155
- Prior Traditional balance
- $2,868
- IRS divisor
- 18.5
- Available planned drawdown
- $40,119
- Additional RMD
- $0
- Ending Traditional balance
- $0
Age 83RMD $0
- Prior Traditional balance
- $0
- IRS divisor
- 17.7
- Available planned drawdown
- $41,323
- Additional RMD
- $0
- Ending Traditional balance
- $0
Age 84RMD $0
- Prior Traditional balance
- $0
- IRS divisor
- 16.8
- Available planned drawdown
- $42,562
- Additional RMD
- $0
- Ending Traditional balance
- $0
Age 85RMD $0
- Prior Traditional balance
- $0
- IRS divisor
- 16.0
- Available planned drawdown
- $43,839
- Additional RMD
- $0
- Ending Traditional balance
- $0
Age 86RMD $0
- Prior Traditional balance
- $0
- IRS divisor
- 15.2
- Available planned drawdown
- $45,154
- Additional RMD
- $0
- Ending Traditional balance
- $0
Age 87RMD $0
- Prior Traditional balance
- $0
- IRS divisor
- 14.4
- Available planned drawdown
- $46,509
- Additional RMD
- $0
- Ending Traditional balance
- $0
Age 88RMD $0
- Prior Traditional balance
- $0
- IRS divisor
- 13.7
- Available planned drawdown
- $47,904
- Additional RMD
- $0
- Ending Traditional balance
- $0
Age 89RMD $0
- Prior Traditional balance
- $0
- IRS divisor
- 12.9
- Available planned drawdown
- $49,341
- Additional RMD
- $0
- Ending Traditional balance
- $0
Age 90RMD $0
- Prior Traditional balance
- $0
- IRS divisor
- 12.2
- Available planned drawdown
- $50,821
- Additional RMD
- $0
- Ending Traditional balance
- $0
Age 91RMD $0
- Prior Traditional balance
- $0
- IRS divisor
- 11.5
- Available planned drawdown
- $52,346
- Additional RMD
- $0
- Ending Traditional balance
- $0
Age 92RMD $0
- Prior Traditional balance
- $0
- IRS divisor
- 10.8
- Available planned drawdown
- $53,917
- Additional RMD
- $0
- Ending Traditional balance
- $0
Age 93RMD $0
- Prior Traditional balance
- $0
- IRS divisor
- 10.1
- Available planned drawdown
- $55,534
- Additional RMD
- $0
- Ending Traditional balance
- $0
Age 94RMD $0
- Prior Traditional balance
- $0
- IRS divisor
- 9.5
- Available planned drawdown
- $57,200
- Additional RMD
- $0
- Ending Traditional balance
- $0
Age 95RMD $0
- Prior Traditional balance
- $0
- IRS divisor
- 8.9
- Available planned drawdown
- $58,916
- Additional RMD
- $0
- Ending Traditional balance
- $0
| Age | Prior Traditional balance | IRS divisor | Available planned drawdown | Calculated RMD | Ending Traditional balance |
|---|---|---|---|---|---|
| 75 | $206,057 | 24.6 | $32,620 | $8,376 | $185,578 |
| 76 | $185,578 | 23.7 | $33,599 | $7,830 | $162,617 |
| 77 | $162,617 | 22.9 | $34,607 | $7,101 | $136,971 |
| 78 | $136,971 | 22.0 | $35,645 | $6,226 | $108,418 |
| 79 | $108,418 | 21.1 | $36,715 | $5,138 | $76,723 |
| 80 | $76,723 | 20.2 | $37,816 | $3,798 | $41,631 |
| 81 | $41,631 | 19.4 | $38,950 | $2,146 | $2,868 |
| 82 | $2,868 | 18.5 | $40,119 | $155 | $0 |
| 83 | $0 | 17.7 | $41,323 | $0 | $0 |
| 84 | $0 | 16.8 | $42,562 | $0 | $0 |
| 85 | $0 | 16.0 | $43,839 | $0 | $0 |
| 86 | $0 | 15.2 | $45,154 | $0 | $0 |
| 87 | $0 | 14.4 | $46,509 | $0 | $0 |
| 88 | $0 | 13.7 | $47,904 | $0 | $0 |
| 89 | $0 | 12.9 | $49,341 | $0 | $0 |
| 90 | $0 | 12.2 | $50,821 | $0 | $0 |
| 91 | $0 | 11.5 | $52,346 | $0 | $0 |
| 92 | $0 | 10.8 | $53,917 | $0 | $0 |
| 93 | $0 | 10.1 | $55,534 | $0 | $0 |
| 94 | $0 | 9.5 | $57,200 | $0 | $0 |
| 95 | $0 | 8.9 | $58,916 | $0 | $0 |
Educational estimate using flat marginal rates and current 2026 RMD rules. It does not model tax brackets, state tax, Social Security, Medicare IRMAA, ACA credits, inheritance, every Roth five-year rule, or plan-specific conversion restrictions. Roth values assume qualified treatment in retirement.
These tools are provided for educational purposes only and do not constitute financial, investment, tax, legal, or planning advice. Results are estimates based on the assumptions you provide, and actual outcomes may differ. Past performance is not indicative of future returns. Consider consulting a qualified professional before making financial decisions.
How to read this chart
Use the balance line for remaining tax-advantaged assets and the bars for planned distributions and RMD pressure. Compare cumulative taxes with modeled after-tax ending value—not ending balance alone.
Blueprint Step 7
Supports these Blueprint lessons
Enter current Roth and Traditional balances, use one gross savings budget, choose any contribution mix, and optionally build a multi-year Roth conversion plan.
Try another calculator
Continue with a related money decision using the same example-first approach.
Turn this estimate into a plan
Build a free My Money Plan that turns today's numbers into a roadmap for debt payoff, cash reserves, savings goals, and long-term independence.