National Retirement Services, Inc.

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Comparison of Traditional 401(k) vs. Roth 401(k)

This tool will provide a comparison between a pre-income tax Traditional 401(k) vs. a post-income tax Roth 401(k). The contribution results will recalculate as you <Tab> from field to field.

Age Assumptions
Your Current Age
Your Proposed Age at Retirement

Investment Assumptions
Your Proposed Contribution Per Year
Estimated Investment Yield
Tax Rate Until Retirement
Tax Rate After Retirement

Your Results
	Retirement Balance
	Pre-Tax	Post-Tax
Traditional 401(k)
Side Fund Investment*
Total

Roth 401(k)
Side Fund Investment*	N/A	N/A
Total



*For comparison purposes it is proper to recognize that the pre-income tax Traditional 401(k) provides additional funds that can be invested . For example, if you are a 45-year-old participant in a 28 percent federal tax bracket in 2006 and elect to save $15,000 to a traditional 401(k) it would take $19,200 (excluding payroll taxes) to make the same $15,000 contribution to a post-income tax Roth 401(k). The $4,200 difference is classified as the "Side Fund", which is the accumulated income tax savings. This calculator reflects the growth of the Side Fund at the investment yield you have selected.

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