Disclaimer
RothvsTraditionalIRA.com is an information-only site that presents publicly available IRS data with citations. Read this page before relying on any figure or strategy described elsewhere on the site.
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Nothing on RothvsTraditionalIRA.com constitutes personalised investment advice, tax advice, or legal advice. We are not a registered investment advisor, a tax preparer, a CPA, an attorney, or a financial planner. The site presents IRS-published figures and explanatory commentary, but every individual circumstance is different. Before making contributions, conversions, withdrawals, or any other retirement-account decision, consult a qualified tax or financial professional who can review your specific situation.
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RothvsTraditionalIRA.com is operated by Digital Signet and is not affiliated with the Internal Revenue Service, the U.S. Department of the Treasury, the Federal Retirement Thrift Investment Board, or any brokerage, custodian, or financial institution. Where the site refers to IRS publications, IRS notices, or IRC sections, the references are provided for citation and convenience only.
Verify figures against the IRS source
Contribution limits, income phase-outs, and required-minimum-distribution ages change each year, and the IRS occasionally posts mid-year clarifications. The figures on this site are pulled from IRS Publication 590-A, IRS Publication 590-B, and the annual IRS Cost-of-Living-Adjustment notice. Verification dates are stamped on every page and on the methodology page. Before acting, confirm the figure against the primary IRS document.
Calculator outputs are estimates
The calculator on this site projects future after-tax retirement values based on the inputs you provide. It assumes deterministic returns, constant tax rates within each phase you select, and the IRS rules in effect for the most recently published tax year. Real-world investment returns are variable, tax law is subject to change, and individual circumstances (state taxes, IRMAA Medicare surcharges, Social Security taxation interactions) materially affect the result. Calculator outputs are estimates, not forecasts.
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