Retirement2 min read · Updated October 21, 2026
Roth or traditional: which should you pick?
The tax difference between Roth and traditional accounts and a simple rule for choosing.
The simple rule
The account that wins is the one that taxes you at the lower rate. If your rate is the same now and later, they come out equal.
Common questions
Which is better, Roth or traditional?
It depends on whether your tax rate is higher now or in retirement.