Compare after-tax outcomes between a Roth and Traditional Bitcoin IRA under your specific assumptions about contribution size, expected growth, and tax bracket changes. The model uses 2026 federal brackets and assumes the Traditional's upfront deduction is reinvested in a taxable account at long-term capital gains rates. See our Roth vs Traditional explainer for the full methodology.
Under these assumptions, paying tax now (Roth) and growing the contribution tax-free leaves more in your hands at retirement than taking the deduction now (Traditional) and paying tax at distribution, even accounting for reinvesting the Traditional deduction in a taxable account.
The Roth advantage scales with the asset's appreciation. Higher expected growth favors the Roth structure more strongly; lower expected growth or a lower retirement bracket favors the Traditional structure.
The Traditional column assumes the upfront tax savings are reinvested in a taxable account growing at the same multiple, with the gain taxed at a 15% long-term capital gains rate at retirement. Holders who would not actually reinvest the savings will see a worse outcome from the Traditional structure than the calculator shows.
Federal-only model. State taxes and Medicare premium impacts are not included. Not tax advice; consult a qualified tax professional before making structure decisions.