Zoho Sheet

Assumptions
Marginal Tax Rate Now	35%	This spreadsheet compares Traditional 401k and Roth 401k, assuming that one can afford to
Marginal Tax Rate at Retirement	28%	save more than the maximum amount allowed under Traditional 401k. If this is not the case,
Capital Gains Tax Rate at Retirement	20%	set cells B4, B5 and B8 to 0. See also:
Tax Rate on Dividends	35%
Investment Return in 401k	8%	The Case Against Roth 401(k)
Dividend Distributions in Taxable Account	2%
Cost Advantage in Taxable Account	0.5%
Number of Years Until Withdrawal	30

Calculated Fields
Investment Return in Taxable	7.8%
Roth 401k contribution	100
Traditional 401k contribution	100
Taxable investment	35

Value of Roth 401k at Retirement	1,006.27

Value of Traditional 401k at Retirement after tax	724.51
Value of Taxable before capital gains tax	333.14
Capital gains tax	(49.69)
Value of Trad 401k + Taxable after tax	1,007.96

Roth advantage	-0.2%

Sheet1