Department of Labor Federal Credit Union

Compare Roth 401(k) and Traditional 401(k) Retirement Savings Plans

You should explore all of your retirement savings options in order to ensure that you are getting the most returns for a comfortable retirement. Use this calculator helps you compare your possible returns from contributions to a traditional
401(k) savings account versus to a Roth 401(k) account.

Personal Information

Current Age:
Retirement Age:
Life Expectancy:
Current Annual Income:
Wage Growth Percentage:
Contribution Percent:

Investment Information

Pre-Retirement Rate of Return:
Post-Retirement Rate of Return:
Tax Rate During Earning Years:
Tax Rate During Retirement Years:

Current Age

Enter your current age.

Retirement Age

Enter the age at which you wish to retire.

Life Expectancy

Enter the age you expect to live to.

Current Income

Enter your current income.

Wage Growth Percentage

Enter the percentage by which you expect your wages to grow. Typically, 3% - 5% per year.

401(k) Contribution Percentage

Enter the percentage of your income you contribute annually to your 401(k) retirement plan.

Tax Rate During Your Earning Years

Enter your tax rate while you are earning income.

Tax Rate During Your Retirement Years

Enter the tax rate you anticipate during your retirement years. This rate may be lower than during your earning years because you may generate less income from your savings than you earned while working.

Pre-Retirement Rate of Return

Enter the rate of return you expect to achieve on your pre-retirement investments.

Post-Retirement Rate of Return

Enter the rate of return you expect to achieve after retirement on your investments.


Department of Labor Federal Credit Union

Serving employees and contractors who work for the Department of Labor, their families and associated organizations. See website for details.

200 Constitution Ave
Rm S-3220
Washington, DC 20210-0001
(202) 789-2901

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