📊 IRA Comparator: Traditional vs. Roth vs. Taxable

Compare after‑tax retirement wealth | SEP, SIMPLE, Traditional, Roth IRAs | Plan with confidence

💰 Current balance ($)

📅 Annual before‑tax contribution ($)

📈 Expected rate of return (%)

🧑 Current age

🎯 Retirement age

⚖️ Current marginal tax rate (%)

🏝️ Expected tax rate in retirement (%)

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Account Type	Balance at Retirement	Balance After Tax
🏦 Traditional / SEP / SIMPLE IRA	$—	$—
🔥 Roth IRA	$—	$—
📉 Regular Taxable Savings	$—	$—

📆 Year‑by‑Year Accumulation Schedule (Selected Ages)

Age	Traditional (Before Tax)	Traditional (After Tax)	Roth (After Tax)	Taxable Savings
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📘 Understanding IRA Types: Traditional IRA contributions are tax‑deductible now, taxed later. Roth IRA contributions are after‑tax, but withdrawals are tax‑free. SEP & SIMPLE IRAs follow traditional tax treatment. Regular taxable savings are subject to annual tax drag (dividends/capital gains estimated at 15% effective drag for illustration). All calculations assume annual compounding, contributions at start of year, and consistent tax rates. This is an educational tool — consult a tax advisor.