Is a 401(k) pre-tax or post-tax?

RetirementWarren TeamPublished April 25, 2026

Quick answer

A Traditional 401(k) is pre-tax, you deduct contributions now and pay tax on withdrawals. A Roth 401(k) is post-tax, no deduction now, but withdrawals are tax-free.

Traditional vs Roth 401(k) tax treatment compared.

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