Roth IRA Calculator
Project your tax-free Roth IRA balance at retirement.
Projected balance (tax-free)
$1,021,041.06
Total contributions
$245,000.00
Investment growth
$771,041.06
What is the Roth IRA Calculator?
A Roth IRA calculator projects tax-free retirement growth from annual contributions, applying the 2025 IRS contribution limit and income (MAGI) phase-out.
How the calculation works
Contributions (capped at the IRS limit, plus catch-up if 50+) grow tax-free. If your modified AGI is within the phase-out range, the allowed contribution is reduced; above the range, direct contributions are not allowed.
Example
At 30, contributing $7,000/year at 7% for 35 years grows to roughly $1M tax-free. A single filer with MAGI in the phase-out range would have a reduced contribution limit.
Tips
- Qualified Roth withdrawals in retirement are tax-free.
- If your income is too high, ask a professional about a backdoor Roth.
- Contribute early in the year to maximize tax-free growth.
Limitations
Assumes a constant return. The phase-out uses 2025 ranges and a proportional reduction; it does not model backdoor contributions.
Frequently asked questions
What is a Roth IRA?
A retirement account funded with after-tax money where qualified withdrawals in retirement are tax-free.
Roth vs Traditional IRA?
Roth is after-tax with tax-free withdrawals; Traditional may be deductible now but is taxed on withdrawal.
What is the 2025 contribution limit?
$7,000, plus a $1,000 catch-up for those 50 and older.
What are the income (MAGI) limits?
Eligibility phases out over an income range that depends on filing status; above the range, direct contributions are not allowed.
Are withdrawals taxed?
Qualified withdrawals of contributions and earnings are tax-free in retirement.
Related calculators
Reviewed for the 2025 tax year
See our methodology, data sources, and editorial policy. Educational use only — not financial, tax, or investment advice (disclaimer).