401(k) vs Roth IRA: which is best in the US?

Compare pre-tax 401(k) contributions with post-tax Roth IRAs. Free USA 2026 retirement guide.

401(k) reduces taxable income today; You pay taxes when you withdraw in retirement.

Roth IRA uses money already taxed; Qualified withdrawals are free of federal tax.

Many employees max out the 401(k) match and then contribute to a Roth IRA if they qualify.