Roth vs Traditional: State-Tax Edition (2026)
Every generic Roth-vs-Traditional calculator ignores state tax — yet for a high-earner in California retiring in Texas, the state layer can flip the answer. This tool folds in verified 2026 state rates for both your current and retirement state.
Compare the two accounts
Roth vs Traditional (State-Tax Edition)
allmoneycalc.com — estimate, not tax advice
Compares after-tax retirement value of Traditional vs Roth using verified 2026 state income tax rates for current and retirement states.
The retirement & tax cluster
- Retirement Income Tax by State — how your state taxes Social Security, pensions & 401(k)s
- Cross-State Take-Home Comparison
- State Income Tax Rates 2026 (dataset)
- 1099 Quarterly Tax Estimator
Related calculators
Educational estimate, not tax advice. Both accounts receive the same annual contribution and grow at the same rate; the comparison isolates the state (and federal) tax treatment. Traditional withdrawals are taxed at your retirement state and federal rates; Roth qualified withdrawals are assumed tax-free at the state level (most states honor this; a few tax part of conversions/distributions). Graduated states use their TOP marginal rate as an upper-bound approximation. Verify with a CPA or enrolled agent. Source: Tax Foundation Facts & Figures 2026 (state rates).