Roth vs. Traditional Calculator

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Should you pay taxes now or later? Use our Roth vs. Traditional Calculator and compare your options.


Type of account

Your information

Return on Investment (pre-tax)

Income tax bracket

2015 Federal Taxable Income Brackets and Rates (for returns due in April 2016)
Tax Rate Single Head of Household Married Filing Jointly Married Filing Separately
10% $0–$9,225 $0–$13,150 $0–$18,450 $0–$9,225
15% $9,226–$37,450 $13,151–$50,200 $18,451–$74,900 $9,226–$37,450
25% $37,451–$90,750 $50,201–$129,600 $74,901–$151,200 $37,451–$75,600
28% $90,751–$189,300 $129,601–$209,850 $151,201–$230,450 $75,601–$115,225
33% $189,301–$411,500 $209,851–$411,500 $230,451–$411,500 $115,226–$205,750
35% $411,501–$413,200 $411,501–$439,000 $411,501–$464,850 $205,751–$232,425
39.6% $413,201+ $439,001+ $464,851+ $232,426+