Roth IRA Calculator
This Roth IRA calculator projects your tax-free retirement balance based on your current savings, monthly contributions, and expected investment growth. Enter your numbers to see how much of your eventual balance is your own money versus tax-free growth.
Your age today.
When you plan to stop contributing.
What you have saved so far.
2025 IRS limit is $7,000/year ($583/month), or $8,000/year if you're 50+ — check current limits.
A long-run average for your Roth IRA investments.
Projected balance at retirement
सेव करने के लिए लॉग इन करें$1,176,623
Tax-free, assuming qualified withdrawals in retirement.
Frequently asked questions
Is a Roth IRA better than a traditional IRA or 401(k)?+
It depends on whether you expect to be in a higher or lower tax bracket in retirement than you are now — Roth is generally more valuable if you expect higher future taxes (common for younger, lower-earning savers), traditional if you expect lower future taxes.
What are the Roth IRA income limits?+
The IRS phases out your ability to contribute directly above certain income thresholds, which are adjusted annually and differ by filing status — check current IRS limits, since exceeding them without using a 'backdoor Roth' conversion can trigger penalties.
Can I withdraw my contributions early without penalty?+
Yes — you can withdraw your original contributions (not the growth) from a Roth IRA at any time, tax- and penalty-free, since you already paid tax on that money. Withdrawing earnings early is what typically triggers taxes and a 10% penalty, with some exceptions.