Roth vs Traditional Paycheck Impact

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Roth vs Traditional Paycheck Impact

See how choosing Roth (after-tax) vs Traditional (pre-tax) contributions changes your paycheck today.

Inputs

Annual salary ($)

Contribution (% of salary)

Current tax rate (%)

Pay frequency

Results

Roth paycheck reduction

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Traditional paycheck reduction

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Take-home with Roth

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Take-home with Traditional

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Take-home with no contribution

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Per-paycheck contribution

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Roth contributions are made after tax — you pay the full tax cost now. Traditional contributions reduce your current taxable income, so your paycheck only drops by your contribution minus the tax savings.