Account Comparison
Deep dive on comparing SDIRA vs Roth vs Solo 401(k) for real estate investing.
How Account Comparison Works
The account comparison tool evaluates Traditional Self-Directed IRAs, Roth IRAs, SEP IRAs, and Solo 401(k) plans across every dimension that matters for real estate investing. Each account type has different contribution limits, tax treatment on contributions and withdrawals, RMD requirements, and income eligibility rules. This tool lays them all out side by side so you can see which account fits your strategy.
- Traditional SDIRA: Tax-deductible contributions, taxed withdrawals, RMDs at 73
- Roth IRA: After-tax contributions, tax-free withdrawals, no RMDs
- SEP IRA: Up to 25% of compensation (max $69,000), employer-only contributions
- Solo 401(k): Up to $69,000 combined ($76,500 with catch-up over 50)
Why Account Type Matters for Real Estate
The account you choose determines how much you can contribute each year, whether your growth is tax-free or tax-deferred, and whether you'll face Required Minimum Distributions that can force liquidation of illiquid real estate. A Solo 401(k) allows the highest contributions but requires self-employment income. A Roth IRA offers tax-free growth but has income limits and lower contribution caps. Getting this decision right at the start saves thousands in taxes over decades.
- Solo 401(k) allows $69,000/yr -- nearly 10x a Traditional IRA
- Roth accounts grow tax-free with no RMDs (ideal for long-term holds)
- Traditional accounts give an upfront tax deduction but tax withdrawals
- RMDs can force property sales -- Roth avoids this entirely
Sample Output
See what this feature calculates for you.
Explore More Features
See everything Self-Directed IRA / Solo 401k Real Estate Planner has to offer.
Included with All Apps
These features come with every app -- no extra cost.
Property Database
70+ fields, auto-save editing, live calculation sidebar, smart search and filtering.
Learn more →Comprehensive Property Data
Every number an investor needs across 11 organized sections with smart field types.
Learn more →Smart Editing & Live Sidebar
Auto-save with 800ms debounce, per-section status badges, and real-time calculations.
Learn more →Property Classification
Tag properties by investment strategy and property type. Filter and sort your entire portfolio.
Learn more →Real-Time Calculations
27 key metrics across 5 categories computed instantly as you type, with clickable walkthroughs.
Learn more →Portfolio Dashboard
Portfolio highlights, property cards, strategy and type breakdowns, overview charts, and cross-app features.
Learn more →AI Property Import
Copy a prompt, paste your MLS listing into any AI tool, and import 20+ property fields in seconds.
Learn more →Ready to Use Account Comparison?
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