Roth or Traditional? The answer depends on whether your tax rate will be higher now or in retirement.
Betterment manages your IRA automatically — tax-loss harvesting, auto-rebalancing, and smart withdrawals in retirement. No account minimum.
Open IRA with Betterment →| Feature | Roth IRA | Traditional IRA |
| Tax treatment | After-tax (no deduction) | Pre-tax (deductible) |
| Withdrawals in retirement | Tax-FREE | Taxed as income |
| 2026 contribution limit | $7,000 ($8,000 if 50+) | $7,000 ($8,000 if 50+) |
| Income limit (2026) | $165k single / $246k MFJ | No limit (deduction phases out) |
| Best for | Low tax bracket now, higher later | High tax bracket now, lower in retirement |
Sales multiple + equipment + lease adjustment
Is your W-4 withholding too much or too little?
Most accurate 4-entity comparison — includes QBI deduction
IL state + federal + SE tax