Roth IRA Calculator
Project the tax-free balance a Roth IRA builds from yearly contributions — every dollar of growth comes out untaxed in retirement.
Tax-free balance
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Total contributed —
Tax-free growth —
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How it works
FV = balance·(1+r)ᵗ + yearly contribution·((1+r)ᵗ−1)/rFrequently Asked Questions
Why choose a Roth over a traditional IRA?
Roth contributions are after-tax, so all qualified withdrawals — contributions and decades of growth — are completely tax-free after 59½. It generally wins if you expect your tax rate in retirement to be the same or higher than today.
What is the Roth IRA contribution limit?
The IRS limit is adjusted annually (around $7,000, plus $1,000 catch-up at 50+ in recent years), and eligibility phases out at higher incomes — check the current IRS figures.
Can I withdraw Roth money early?
Your own contributions can be withdrawn any time tax- and penalty-free; the earnings portion generally must wait until 59½ and 5 years to avoid tax and penalty.