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
Compare Roth and Traditional contribution mixes, retirement drawdowns, and required minimum distributions. You can also model Roth conversions.
Free calculator
Compare Roth and Traditional tax timing
Tax-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.
Assumptions
Age 35 to 95 · $6,000 annual savings · 50% Roth mix
- 50% Roth mix · modeled after-tax ending value
- $635,017
- Cumulative estimated taxes
- $133,817
- Additional RMD pressure
- $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
Detailed results
- Cumulative contributions
- $163,680
- Cumulative distributions
- $1,189,424
- Modeled Roth conversions
- $0
- Estimated conversion taxes
- $0
- Ending Roth
- $635,017
- Ending Traditional
- $0
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
Edit balances, savings, and any conversion plan, then select Calculate. Adjust the contribution-mix slider to compare Roth and Traditional outcomes.
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 to connect this decision to your household roadmap. This calculator example stays on this page and is not saved or transferred to your plan.