Yes, a conventional IRA's contributions are effectively pre-tax because of the tax deduction. But that's not true of a Roth IRA.I am pretty sure that in the case of a 401K pre-tax contribution, the withholding is based on the remaining taxable amount. In the case of a traditional IRA, the deduction is not taken until the return is filed the next year. In other words, from perspective of withholding, there is no difference between a Roth and Traditional IRA. The split comes on April 15th when you are able to reduce your taxable income for the Traditional IRA contributions whereas you can not do so for your Roth contributions.It is a small distinction, but it may be important to you that you have the maximum income from your paycheck (less withholding with a 401K), or to receive a refund the following year (Traditional IRA), or neither (Roth IRA).
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