Home » Roth IRA Calculator

Roth IRA Calculator

Project your Roth IRA balance at retirement. Contributions grow tax-free and qualified withdrawals are completely tax-free.

Your data stays in your browser. Nothing is stored or sent to any server.

Enter Your Details

$0
Projected Roth IRA Balance at Retirement
$0
Total Contributions
$0
Tax-Free Growth
$0
Monthly Income (4% rule)
$0
Est. Tax Saved vs Traditional

Why a Roth IRA Is Powerful

A Roth IRA is unique: you contribute after-tax dollars, but your investments grow completely tax-free and qualified withdrawals in retirement are also tax-free. Over 30+ years, the tax-free growth alone can be worth $100,000+ in avoided taxes.

2025-2026 Contribution Limits

The annual Roth IRA contribution limit is $7,000 (or $8,000 if you're 50 or older). Income limits apply: singles with MAGI above $161,000 and married couples above $240,000 see reduced limits. If you exceed these limits, consider a "backdoor Roth" conversion.

Roth IRA vs Traditional IRA

Roth: No tax deduction now, but tax-free growth and withdrawals. Best if you expect to be in a higher tax bracket in retirement. Traditional: Tax deduction now, but withdrawals are taxed as income. Best if you're in a high bracket now and expect a lower one in retirement. Check your bracket with our Income Tax Estimator.

Roth IRA vs 401K

Ideally, do both: contribute enough to your 401K to get the full employer match (see our 401K Calculator), then max out your Roth IRA, then put additional savings back into your 401K. This gives you tax diversification in retirement.

Frequently Asked Questions

How much will my Roth IRA be worth at 65?
Starting at 30 with $15,000 and contributing $7,000/year at 8% returns, your Roth IRA could be worth approximately $1.1 million by 65 — and every penny of growth is tax-free.
What's the income limit for Roth IRA contributions?
For 2025, single filers with MAGI above $161,000 and married couples above $240,000 face reduced limits. Above $176,000 (single) or $240,000 (married), direct contributions aren't allowed, but backdoor Roth conversions remain an option.
When can I withdraw from a Roth IRA?
Contributions can be withdrawn anytime, tax-free and penalty-free. Earnings can be withdrawn tax-free after age 59½ AND the account has been open 5+ years. Unlike Traditional IRAs, Roth IRAs have no Required Minimum Distributions.
Should I choose Roth or Traditional?
If you're younger and in a lower tax bracket now, Roth is almost always better — you lock in today's low rate and get decades of tax-free growth. If you're in your peak earning years in a high bracket, Traditional may save more in taxes now.

Related Calculators

401K Calculator

Project 401K with employer match

Retirement

Full retirement planning

Compound Interest

See compound growth

Retirement Longevity

How long savings last

What Is a Roth IRA?

Tax-free growth + withdrawals. $7,000/year. No RMDs. Contributions withdrawable anytime.