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Roth IRA Calculator
Estimate how a Roth IRA could grow until retirement. Contributions are made after tax, and qualified withdrawals are tax free.
Roth IRA Calculator
Estimate your future tax-free retirement nest egg
$0
Tax-Free Future Balance
Completely available for withdrawal
Total Contributions
$0
Total Growth
$0
Tax Savings
$0
Accumulation Projection
A Roth IRA is funded with money already taxed, and in return qualified withdrawals in retirement come out tax-free, growth included. This calculator projects what regular contributions could build into by retirement age.
How to use this calculator
- Enter your current age and planned retirement age.
- Add your current Roth balance and yearly contribution.
- Enter the expected yearly return.
- Press calculate to see the projected fund at retirement.
Why the tax-free part compounds
In a traditional account the whole withdrawal is taxed; in a Roth, decades of growth escape tax entirely when the rules are met. That difference is worth most to people who start young or expect a higher tax rate later, which is exactly the comparison worth running before choosing where a contribution goes.
Frequently asked questions
Who can contribute to a Roth IRA?
People with earned income under the yearly limit set in US law; income limits and contribution caps apply and change over time. Check the current year's figures.
When can Roth money be withdrawn tax-free?
Generally when the account has been open at least five years and you are over 59½, with some exceptions. Contributions themselves can usually be withdrawn anytime.
Roth or traditional: which is better?
Roth wins when your retirement tax rate will be higher than today's; traditional wins when it will be lower. Many people hold both to keep future options open.