Roth IRA Calculator
Estimate your tax-free retirement balance, see the power of compound growth, and compare Roth IRA vs. taxable accounts with this advanced planning tool.
Tax-free growth • Contribution limits • Retirement income • Account comparison • 100% Free📊 Your Roth IRA Details
Enter your personal information, contribution details, and assumptions to project your tax-free retirement growth.
📈 Your Roth IRA Projection
See your tax-free retirement balance, total contributions, and estimated retirement income.
🟡 Roth IRA (Tax-Free)
🔴 Taxable Account
Based on 7% return, 3% inflation, retiring at age 65.
Roth IRA Visualized
See your tax-free balance growth over time and understand the breakdown of your retirement savings.
📈 Balance Growth Over Time
🥧 Savings Breakdown at Retirement
Roth IRA by the Numbers
See how different contribution levels, returns, and time horizons affect your Roth IRA balance.
| Annual Contribution | Years to Retirement | Expected Return | Projected Balance | Tax-Free Earnings |
|---|---|---|---|---|
| $7,000 | 30 | 7% | ~$715,000 | ~$505,000 |
| $7,000 | 35 | 7% | ~$1,035,000 | ~$790,000 |
| $7,000 | 30 | 9% | ~$1,025,000 | ~$815,000 |
| $8,000 (50+) | 30 | 7% | ~$815,000 | ~$575,000 |
| $7,000 | 40 | 7% | ~$1,490,000 | ~$1,210,000 |
Assumes starting balance of $10,000, 3% inflation, and no withdrawals until retirement. Results are estimates.
Roth IRA Insights
Key concepts to understand about Roth IRAs and tax-free retirement savings.
Tax-Free Growth
Roth IRA contributions are made with after-tax dollars, meaning your money grows tax-free and qualified withdrawals in retirement are completely tax-free—including all investment earnings.
The Power of Tax-Free Compounding
Without taxes on your earnings, your money compounds more efficiently. A 7% return in a Roth IRA is effectively a 7% after-tax return, compared to taxable accounts where returns are reduced by taxes.
2026 Contribution Limits
For 2026, the annual Roth IRA contribution limit is $7,500 for individuals under 50, and $8,600 for those 50 and older (including catch-up). Contributions are limited by your earned income and modified AGI.
Roth vs. Traditional IRA
Traditional IRAs offer tax deductions now but taxable withdrawals later. Roth IRAs offer no tax deduction now but completely tax-free withdrawals in retirement—including all investment growth.
Frequently Asked Questions
Common questions about Roth IRAs and how this calculator works.
