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🏦 Roth IRA Calculator

A Roth IRA calculator shows how your tax-free retirement savings grow over time. Roth IRA contributions are made with after-tax dollars, so all qualified withdrawals in retirement are 100% tax-free. See how maxing your Roth IRA each year compounds into a substantial nest egg.

🇺🇸 Calculating for United States
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2025 Roth IRA limit: $7,000.00 (under 50) · $8,000.00 (50+, catch-up)

Projected tax-free balance at 65

$1,127,806.87

100% tax-free in retirement (Roth rules)

Total contributed

$260,000.00

Tax-free growth

$867,806.87

Years investing

35 years

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Frequently asked questions

What is the Roth IRA contribution limit for 2025?
The 2025 Roth IRA contribution limit is $7,000 ($8,000 if age 50 or older). Income limits apply — the phase-out begins at $150,000 (single) and $236,000 (married filing jointly).
What is the difference between Roth and Traditional IRA?
Roth IRA: contribute after-tax money, grow tax-free, withdraw tax-free in retirement. Traditional IRA: contribute pre-tax, grow tax-deferred, pay taxes on withdrawal. Roth is generally better if you expect higher taxes in retirement.

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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates and not financial advice. Consult a licensed financial advisor before making financial decisions.