IRA Optimizer — Roth vs Traditional IRA Calculator

Find out which IRA is best for you with side-by-side Roth vs Traditional IRA comparison, tax bracket analysis, and projected growth modeling.

Try the Full Version

Use the free IRA Optimizer now at tools.bullrunforever.com/ira-optimizer — no sign-up required.

Features

• Roth vs Traditional IRA side-by-side comparison — see which account type saves you more over time
• Tax bracket analysis — understand how your current and retirement tax brackets affect your IRA choice
• Backdoor Roth guidance — step-by-step instructions for high earners who exceed income limits
• Contribution limit checker — instantly verify 2026 IRA contribution limits based on your age and filing status
• Projected growth comparison — visualize how both IRA types grow over 10, 20, or 30+ years
• Income eligibility check — find out if you qualify for direct Roth IRA contributions or deductible Traditional IRA contributions

FAQ

Which IRA is better — Roth or Traditional?

It depends on your current tax bracket vs your expected retirement tax bracket. If you expect to be in a higher bracket in retirement, Roth is usually better. If you expect a lower bracket, Traditional may save you more. The IRA Optimizer runs both scenarios so you can compare.

What are the 2026 IRA contribution limits?

For 2026, the IRA contribution limit is $7,000 per year ($8,000 if you're 50 or older). Income limits apply to Roth IRA eligibility and Traditional IRA deductibility. Use the IRA Optimizer to check your specific situation.

What is a backdoor Roth IRA?

A backdoor Roth IRA is a strategy for high earners who exceed Roth IRA income limits. You contribute to a Traditional IRA (non-deductible) and then convert it to a Roth IRA. The IRA Optimizer walks you through the process.

Can I contribute to both a Roth and Traditional IRA?

Yes, but your total contributions across all IRAs cannot exceed the annual limit ($7,000 / $8,000 for 50+). The IRA Optimizer helps you decide how to split contributions for maximum benefit.

More Free Financial Tools

This calculator is part of the BullRun Forever Toolkit — 16 free financial calculators including:

• 401(k) Calculator
• Roth IRA Calculator
• Investment Calculator
• Freedom Number Calculator
• Net Worth Calculator

Disclaimer

This tool is for educational and informational purposes only. It does not constitute financial, tax, or investment advice. Consult a qualified financial advisor before making IRA or retirement planning decisions. BullRun Forever is not a registered investment advisor.

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