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Enter your details to see which wins
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Winner Advantage
🟢
Roth Net
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After-tax at retirement
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Traditional Net
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After-tax at retirement
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Winner
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Better for your situation
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Advantage
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Extra after-tax money
🎯 IRA Verdict
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💼 Your Situation
Income, taxes, and retirement details
⚔️ Head-to-Head
Side-by-side comparison with your numbers
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Tax Breakdown
Where you pay taxes with each account type — now vs later
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Roth Conversion Analysis
Should you convert existing Traditional funds to Roth?
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Year-by-Year Projection
Watch both accounts grow side by side
Growth Comparison
Tax Paid: Now vs Retirement
After-Tax Value Split
Net Income by Tax Scenario
Roth vs Traditional Report
Vault & Vessel Studio ·
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How To Use
Roth or Traditional? Stop guessing — see the math with YOUR numbers
🚀 Getting Started
1
Enter Your Income & Tax Rate
Your current marginal tax bracket determines how much the Traditional deduction saves you today. Check your last tax return or use the bracket guide.
2
Estimate Retirement Tax Rate
This is the key variable. If you expect to be in a LOWER bracket in retirement, Traditional wins. If HIGHER or same, Roth wins. Most people drop 1-2 brackets.
3
See the Winner
The dashboard shows after-tax retirement value for both options. The difference can be tens of thousands of dollars over a 30-year career.
4
Check Conversion
Already have Traditional funds? The conversion calculator shows if converting to Roth makes sense given your current situation and time horizon.
📊 Terms Made Simple
Roth IRA: You pay taxes NOW on contributions, but withdrawals in retirement are 100% TAX-FREE. The growth is never taxed. Best if you expect higher taxes later.
Traditional IRA: Contributions are tax-DEDUCTIBLE now (saves you taxes today), but you pay taxes on EVERYTHING you withdraw in retirement. Best if you expect lower taxes later.
Tax Bracket: The percentage rate you pay on your highest dollars of income. At $75K, you're in the 22% bracket — meaning each extra dollar earned (or deducted) changes your tax by 22 cents.
Roth Conversion: Moving money from Traditional to Roth. You pay taxes on the converted amount NOW, but it grows tax-free forever after. Smart when you're in a temporarily low bracket.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not tax advice. Tax laws change and individual situations vary. Consult a tax professional for specific guidance on IRA contributions and conversions.