$10,000
25 Yrs
8.0%
Tax Brackets
24%
24%
Conclusion
Since your current and future tax rates are the same (24%), both Roth and Traditional accounts will leave you with exactly $52,048 after taxes in retirement.
Financial Winner
Both are Equal
Your tax rate doesn't change, so both options yield identical results.
Roth (Pay Tax Now)
Actual Invested (After 24% tax)$7,600
After-Tax Money in Pocket$52,048
Traditional (Pay Tax Later)
Actual Invested (Pre-tax)$10,000
Pre-Tax Future Value$68,485
After-Tax Money in Pocket (after 24% tax)$52,048
Winner Value in Today's Money
$12,127
Adjusted for 6.0% annual inflation over 25 years.