Financial Toolset

Roth vs Traditional IRA Calculator

Compare Roth IRA and Traditional IRA to determine which retirement account type offers better tax advantages for your specific situation.

Show this tool on your website

$

2024 IRA limit: ,000 (,000 if 50+)

years
years
%

Federal marginal rate (2024: 10%, 12%, 22%, 24%, 32%, 35%, 37%)

%

Expected federal marginal rate when withdrawing

%

Historical stock market average: 10%

$

Starting balance (if any)

Explore Number Convert

Free unit conversion tools

Visit Number Convert
distance

KM to Miles

Convert kilometers to miles and back

weight

Pounds to Kilograms

Convert weight between imperial and metric

temperature

Fahrenheit to Celsius

Convert temperatures between scales

volume

Gallons to Liters

Convert volume measurements

Browse all Number Convert tools

Sources & References

S&P 500 Historical Returns

• Average annual return (1926-2024): ~10% nominal, ~7% inflation-adjusted
• Standard deviation: ~20% (indicating significant year-to-year volatility)
→Source: NYU Stern - Historical Returns on Stocks, Bonds and Bills(2024)

Dividend Yields

• S&P 500 average dividend yield: 1.5-2.0% (as of 2024-2025)
• Historical dividend growth rate: ~5.9% annually (1960-2024)
→Source: S&P Dow Jones Indices(2024-2025)

Bond Returns

• 10-Year Treasury bonds: ~5% average annual return (1926-2024)
• Corporate bonds (investment grade): ~6% average annual return
→Source: NYU Stern - Corporate Finance Data(2024)

Inflation Rate

• Long-term average: ~3% annually (1926-2024)
• Recent (2020-2024): 2-8% range with 2022 peak at 8%
→Source: Bureau of Labor Statistics - Consumer Price Index(2024)

Important

Past performance does not guarantee future results. Market returns vary significantly year-to-year. These are long-term historical averages.

⚠️ Important