Roth IRA Calculator
Project your Roth IRA balance at retirement with tax-free growth and withdrawals.
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Frequently Asked Questions
What is a Roth IRA and who is it best for?
A Roth IRA is a retirement account funded with after-tax dollars. Investments grow tax-free and qualified withdrawals in retirement are completely tax-free. It is best for young people in low tax brackets who expect to be in a higher bracket at retirement, and for those who want tax diversification.
What is the 2026 Roth IRA contribution limit?
The 2026 Roth IRA contribution limit is $7,000 ($8,000 if age 50+). Income limits apply: single filers with MAGI above $150,000 face reduced limits; above $165,000 you cannot contribute directly. High earners can use the backdoor Roth IRA strategy.
Roth IRA vs Traditional IRA — which is better?
Roth IRA = pay tax now, withdraw tax-free. Traditional IRA = deduct now, pay tax at withdrawal. Roth is better if your tax rate will be higher in retirement. Traditional is better if your tax rate will be lower. Young earners typically benefit more from Roth; high earners near retirement often prefer Traditional.