IRA Decision Tool

Compare 5 Scenarios

See expected future after-tax values for five different scenarios, including Roth IRA and Traditional IRA.

Backdoor Roth

For some investors, the "Backdoor Roth" option can be the most attractive option, and a tool for creating significant tax fre wealth.

Check Eligibility

Not all investors are eligible to invest directly in a Roth IRA or make tax deductible contributions to a Traditional IRA.

How To Use This Calculator

  • This calculator will calculate the expected future after tax values of an investment made today in five different scenarios: Taxable Account, Roth IRA, Traditional IRA (Deductible), Traditional IRA (Nondeductible), Backdoor Roth IRA.
  • You must enter your expected returns, tax rates, and time horizon.
  • You may not be eligible for certain scenarios included in this calculator. You can use our IRA eligibility tool to determine if you can make contributions directly to a Roth IRA or nondeductible contributions to a Traditional IRA.

Related Resources

Ultimate Guide To Backdoor Roth (PDF)

Basics Of The Backdoor Roth (Video)

Spreadsheet Download

TFI Podcast: Backdoor Roth 101

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<p><a href="https://opportunitydb.com/tools/map/">IRA Decsion Tool</a></p> created by <a href="https://opportunitydb.com/">TaxFreeInvestor.com</a></p>