Comparison Guide
Roth IRA vs. 401(k): Which is Better?
Compare Roth IRA and 401(k) retirement plans. Calculate your potential returns and understand the tax implications of each.
The Verdict
A 401(k) is best for high earners seeking immediate tax deductions and employer matches. A Roth IRA is better for tax-free growth and withdrawals in retirement.
Roth IRA Calculator
Open Calculator401(k) Calculator
Open CalculatorTax Advantage
Roth IRA CalculatorTax-free withdrawals in retirement
401(k) CalculatorTax-deductible contributions now
Employer Match
Roth IRA CalculatorRarely applicable
401(k) CalculatorCommonly offered
Contribution Limits (2024)
Roth IRA Calculator$7,000 ($8,000 if 50+)
401(k) Calculator$23,000 ($30,500 if 50+)
Required Minimum Distributions (RMDs)
Roth IRA CalculatorNone
401(k) CalculatorRequired at age 73