Roth 403(b) vs. Traditional 403(b) Calculator
Use this calculator to determine which 403(b) contribution type might be right for you
How the roth 403(b) vs. traditional 403(b) calculator works
It grows equal contributions to a Roth and a traditional 403(b), leaves the Roth tax-free, and taxes the traditional at your expected retirement rate to compare after-tax outcomes.
Worked example: with annual 403(b) contribution of $10,000, years until retirement of 30 and annual return of 7.00%, the roth 403(b) vs traditional 403(b) calculator shows better after-tax outcome of Roth 403(b).
- Roth 403(b) (tax-free)
- $1,010,730
- Pre-tax balance
- $1,010,730
- Pre-tax after tax
- $788,370
- Difference
- $222,361
The formula
Both grow as (balance + contribution) × (1 + return). Roth after-tax = balance. Traditional after-tax = balance × (1 − retirement tax rate).
Results are estimates for educational purposes and are not financial advice. Confirm exact figures with your lender, plan administrator or advisor.
Questions about the roth 403(b) vs. traditional 403(b) calculator
What is a 403(b)?
A retirement plan for employees of schools, hospitals and nonprofits, similar to a 401(k). Many offer both Roth and traditional contribution options.
Should I pick Roth or traditional 403(b)?
Roth favours those expecting a higher tax rate later; traditional favours those expecting a lower one. The after-tax comparison here helps you decide.
Can I split between Roth and traditional?
Usually yes, within the combined limit. Splitting hedges against uncertainty about your future tax bracket.
Is the Roth 403(b) vs. Traditional 403(b) Calculator free to use?
Yes. Every calculator on FinCalculators is completely free, with no sign-up, login or paywall. You can run as many scenarios as you like.