Roth IRA Calculator — Tax-Free Retirement Growth
Reviewed 2026-06-03 · FinCalc Hub Editorial
A Roth IRA grows tax-free, and qualified withdrawals in retirement are not taxed. Enter your balance and annual contribution to see how it could grow by the time you retire.
Tax-free balance at retirement$792,815
Total contributions$220,000
Tax-free growth$572,815
Roth withdrawals are tax-free in retirement if rules are met. Income limits may apply to contributions.
Frequently asked questions
- What's the contribution limit?
- For 2025, you can contribute up to $7,000 ($8,000 if age 50+), subject to income limits.
- Roth or Traditional?
- Roth is often better if you expect to be in a higher tax bracket later, since you pay tax now and withdraw tax-free.