Comparison8 min read
401(k) vs. IRA vs. Brokerage: The Order of Operations
Match, then Roth IRA, then max the 401(k), then brokerage. See the 2026 limits, the tax table, and the order that saves the most.
Read guideWe use privacy-friendly analytics to learn which calculators help, and nothing loads until you agree. Read our privacy policy.
Free comparison calculators for mortgages, credit cards, bank accounts, insurance, and investments in 2026. Find the cheapest option with side-by-side analysis.
9 calculators in this category · from FreeCalculators
New to comparison? Most readers begin with the Loan Comparison Tool, then compare scenarios in the Credit Card Comparison.
Two loans side by side: payments, total cost and interest in one table — pick the cheaper deal without the sales pitch.
Two portfolios, one contribution plan — side by side future values at different returns so you can see what a point of return buys.
Compare two credit cards on rewards, annual fees, interest on a carried balance and the sign-up bonus — net annual value, not marketing points.
Compare two savings or checking accounts on APY and monthly fees to see which grows your balance more over your holding period.
Compare two brokers or robo-advisors on total fees — expense ratios plus advisory charges — to see what each costs your portfolio over your horizon.
Compare two mortgage offers on rate, points and fees over the years you will actually keep the loan — total cost, not just the headline rate.
Compare two insurance quotes on expected annual cost — premium plus deductible weighted by how often you claim — instead of premium alone.
Compare two crypto exchanges on the full cost of your trading — taker fees, the spread, and withdrawal fees — over a year of your activity.
Weigh doing your taxes with software against hiring a preparer — software cost plus your time against the fee minus the deductions a pro might find.
Step-by-step walkthroughs to use these calculators well.
Match, then Roth IRA, then max the 401(k), then brokerage. See the 2026 limits, the tax table, and the order that saves the most.
Read guideBuying vs leasing a car is a major financial decision. A complete comparison covering total cost, tax implications, and lifestyle factors.
Read guideCostco and warehouse clubs can save money — or cost more. Analyze which bulk purchases are truly economical for your household.
Read guide