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401(k) or Roth IRA: Where Should You Save First?

The standard order: **capture your full employer match first, then decide between Roth and traditional.** Enter your employer match, tax rates, and expected return — the calculator tells you the priority order and shows the dollar impact of each step. The match is the biggest factor by far.

Your priority order

Education, not advice: This tool is for education only and is not personalized financial advice. Employer matches and tax rules vary by plan and individual — verify with your plan documents and a current source. Investing involves risk, including loss of principal. Past performance does not guarantee future results.