calculate_roth_vs_traditional
Compares a Roth and a traditional retirement account at the same pre-tax annual contribution: the Roth invests what is left after tax today and is tax free at withdrawal, the traditional invests the full amount and is taxed at the retirement rate. Reports the winner, both after-tax values, and the tax each side pays. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Roth vs traditional calculator calculator.
Input Schema
TableJSON Schema
| Name | Required | Description | Default |
|---|---|---|---|
| age | No | Current age in years. | |
| retirement_age | No | Retirement age in years. | |
| annual_return_pct | No | Expected annual return percent. | |
| annual_contribution | Yes | Annual contribution before tax, in USD. | |
| current_tax_rate_pct | No | Current marginal tax rate percent. | |
| retirement_tax_rate_pct | No | Expected tax rate in retirement percent. |