Roth IRA Calculator

Project your tax-free retirement savings and compare with taxable investing

Current Age

Retirement Age

Current Roth Balance

Annual Contribution (max $7,000)

Expected Return %

Filing Status

MAGI (Modified Adjusted Gross Income)

Fully Eligible

Tax-Free Balance at 65

$1,524,495

Contributions

$260,000

Tax-Free Growth

$1,264,495

Growth486%

Contributions17.1%

Tax-Free Growth82.9%

Roth IRA (tax-free)$1,524,495

Taxable (after 15% CG tax)$1,334,821

Taxes Owed (Taxable)$189,674

Roth Advantage$189,674

Both accounts have identical returns, but the Roth grows tax-free while taxable accounts owe 15% capital gains at withdrawal