---
title: "IRA Calculator — Traditional vs Roth IRA Comparison"
description: "Compare Traditional vs Roth IRA growth side-by-side. Includes UK ISA, Canadian TFSA/RRSP, and Australian Super equivalents. Free, no ads."
url: "https://worldcalculators.org/calculators/ira/"
canonical: "https://worldcalculators.org/calculators/ira/"
---

# IRA Calculator

Compare Traditional vs Roth IRA growth side-by-side. Includes UK ISA, Canadian TFSA/RRSP, and Australian Super equivalents. Free, no ads.

## Quick answer

Traditional IRA: Contributions may be tax-deductible now; withdrawals in retirement are taxed as ordinary income. Roth IRA: Contributions use after-tax dollars; all qualified withdrawals in retirement are completely tax-free, including all growth. Roth is generally better if you expect to be in a higher tax bracket at retirement.

## Frequently Asked Questions

Traditional IRA: Contributions may be tax-deductible now; withdrawals in retirement are taxed as ordinary income. Roth IRA: Contributions use after-tax dollars; all qualified withdrawals in retirement are completely tax-free, including all growth. Roth is generally better if you expect to be in a higher tax bracket at retirement.
The UK equivalent of a Roth IRA is the ISA (Individual Savings Account). Contributions are from after-tax income and all growth is tax-free — including dividends and capital gains. The annual ISA limit is £20,000 (2026). The Stocks and Shares ISA is the closest equivalent to a Roth IRA for investing in shares and funds.

Source: https://worldcalculators.org/calculators/ira/
Markdown mirror of the HTML page. Prefer this URL for RAG; the interactive calculator still lives on the HTML page.