Roth vs Traditional Calculator

Roth or traditional? Optimal yearly split of your retirement savings, free.

Finds the best split of each year’s retirement savings between Roth and traditional 401(k), IRA, HSA and brokerage, including employer match. It uses a real linear-programming optimizer that also plans Roth conversions and withdrawals through retirement, and compares the result with always-traditional and always-Roth. More