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Roth Contributions Within Your Retirement Plan

Split your plan deferrals

2026 federal brackets and limits

$

Household wages if married filing jointly.

$

Roth plus pre-tax, up to your 2026 limit.

yrs

Income above this bracket is sheltered with pre-tax deferrals first, where the deduction saves the most. Pick the rate you expect to pay in retirement.

%
yrs
%
%

Average federal plus state rate on pre-tax withdrawals.

More options
$

Health premiums, HSA and FSA contributions taken before tax.

$

Leave at 0 for the 2026 standard deduction.

%

Tax saved by pre-tax deferrals is assumed invested so take-home pay is comparable.

Suggested split

Roth per paycheck

–

Pre-tax per paycheck

–

Roth election

–

Pre-tax election

–

How the split is set (2026)

Taxable income with all-Roth deferrals–
Top of the chosen bracket–
Taxable income with the split–
Tax saved by the pre-tax part–
Your 2026 deferral limit–

Roth and pre-tax deferrals are both subject to Social Security and Medicare tax, so only income tax changes. Employer contributions are usually pre-tax and are not included.

All Roth, split or all pre-tax

The same deferral every year until retirement, using 2026 brackets and limits throughout.

All RothSuggested splitAll pre-tax

Results are estimates for educational purposes and are not financial, tax or legal advice.

Work out how much of your plan deferral to make Roth and how much pre-tax so your taxable income stays in the bracket you choose, with the amount per paycheck and how the mix compares at retirement. The free roth ira calculator is free to use with no sign-up, and works on desktop and mobile.