Roth IRA Calculator

Calculate your tax-free retirement balance and the tax savings vs. a traditional account.

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Max $7,000 ($8,000 if 50+) for 2025
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Estimated marginal rate in retirement
Tax-free retirement balance
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Total Contributions
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Tax-Free Growth
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Tax Saved vs. Traditional
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Monthly Contribution
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Why a Roth IRA is so powerful

With a Roth IRA, your money grows completely tax-free and qualified withdrawals in retirement are also tax-free. This means decades of compound growth happen with no tax drag, and you pay no tax on the gains when you need the money most.

What is a Roth IRA?
A Roth IRA is funded with after-tax dollars. Growth and qualified withdrawals are completely tax-free, making it powerful for long-term compounding.
What is the Roth IRA limit for 2025?
$7,000 per year ($8,000 if age 50+). Phase-out begins at $150,000 (single) and $236,000 (married filing jointly).
Roth vs. Traditional IRA?
Traditional: deductible contributions, taxed withdrawals. Roth: after-tax contributions, tax-free withdrawals. Roth wins if you expect higher future tax rates.
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