Using the comparison calculator between a Roth IRA and a regular IRA found at a web based calculator decide whether an individual with the following data is better off with a regular IRA or a Roth IRA: Current IRA amount: $10,000 Current tax bracket: 28% Retirement tax bracket: 15% Projected rate of return on investments: 8% Planned saving amount is $2,000 per year, (before taxes) Retire in 30 years.