What if my tax rate changes later?

Use scenarios for higher/lower retirement tax to see which option is likely better.

Can I contribute to both?

Yes, within combined IRS limits. Check IRS rules for eligibility and income phase‑outs.

Roth vs Traditional IRA

Compare after-tax outcomes (simplified).

Roth vs Traditional trade‑offs

Roth uses after‑tax dollars with tax‑free withdrawals; Traditional may reduce taxes now but withdrawals are taxable later. Compare based on current vs future marginal rates.