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Roth or traditional 401(k)/IRA: which keeps more?

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

Compare paying tax now (Roth) with paying tax later (traditional). The answer depends on your tax rate now and in retirement.

Simple model. Limits from the IRS for 2026. Not tax advice.

Common questions

What is the 2026 401(k) limit?

$24,500, plus $8,000 if you are 50 or older.

What is the 2026 IRA limit?

$7,500, plus $1,100 if you are 50 or older.