Roth IRA Calculator
Estimate tax-free growth in a Roth IRA versus a taxable account.
Tax-free balance at withdrawal
$792,815
You contribute
$220,000
Growth
$572,815
Tax a traditional account would owe
$174,419
2025 contribution limit: $7,000 ($8,000 if 50+), subject to income phase-outs.
Why Roth
Roth contributions are made with after-tax money, and everything — contributions and decades of growth — comes out tax-free after 59½. The younger you are or the lower your current bracket, the stronger the case, because you're prepaying tax at today's (low) rate on tomorrow's (large) balance.
Flexibility bonus
Roth IRAs have no required minimum distributions, and contributions (not growth) can be withdrawn any time without penalty — which makes a Roth double as a deep emergency reserve. High earners above the income limit often contribute via the backdoor Roth route.
Related calculators
Mortgage Calculator
Estimate your monthly mortgage payment with taxes, insurance, and a full amortization schedule.
Loan Calculator
Work out payments, total interest, and payoff time for any fixed-rate loan.
Compound Interest Calculator
See how savings and investments grow with compounding over time.
Auto Loan Calculator
Estimate car payments including trade-in value, sales tax, and dealer fees.