These comparative calculations were developed to help assess the possible benefits of the Roth vs. the non-Roth options. The left side of the comparison displays the estimated net value (at retirement) of your 401K if you select the Roth option, whereas the right side estimates the net value (at retirement) of your 401K if you choose the pre-tax (non-Roth) option.

The value of a Roth option includes the ability to pay taxes up-front, with investment gains growing tax-free. With a pre-tax (non-Roth) option, no tax is paid up front and investment gains grow tax-deferred – but taxes must be paid on withdrawals when distributions are taken.

These calculations are subject to several variables and should not be relied upon as accurate predictors of actual results. Please consult your tax advisor.