Roth IRA Calculator

Roth IRAs are funded with after-tax dollars. Qualified withdrawals in retirement are tax-free, including earnings. Model annual contributions, expected...

Modify the values and click the Calculate button to use.
Results

Enter values and click Calculate.

Schedule

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Introduction

Roth IRAs are funded with after-tax dollars. Qualified withdrawals in retirement are tax-free, including earnings. Model annual contributions, expected return, and years until retirement to project tax-free balance.

Roth IRA Growth

Roth IRAs are funded with after-tax dollars. Qualified withdrawals in retirement are tax-free, including earnings. Model annual contributions, expected return, and years until retirement to project tax-free balance.

Contribution Limits

IRS annual Roth IRA limits apply; high earners face phase-outs (MAGI limits). Catch-up contributions are available at age 50+. Verify eligibility each tax year.

Roth vs Traditional

Traditional IRAs may offer a tax deduction now but taxable withdrawals later. Roth favors those expecting higher tax rates in retirement or wanting tax diversification.

Related Tools

IRA Calculator, 401(k) Calculator, Retirement Calculator.

How It Works

  1. Enter your amounts, rates, and term in the form. Use the same units shown in the labels (dollars, years, percent).
  2. Click Calculate to run the Roth IRA Calculator engine. Invalid or empty required fields show a clear error message.
  3. Review the summary cards for the key outputs. Expand schedules or tables when available for period-by-period detail.
  4. Copy, print, or share your scenario link. Reset the form anytime to start a fresh comparison.

Formula

Roth IRA grows tax-free; taxable account uses after-tax contributions with reduced effective return from annual tax drag. Compare ending balances at retirement age.

FAQ

Yes. CDCalculator.io provides the Roth IRA Calculator at no charge for personal and educational use. Results are estimates and not financial advice.

The tool uses standard formulas lenders and planners use in spreadsheets. Your bank may round differently or include fees not modeled here.

Use the Copy Results and Print buttons on the calculator panel after you run a scenario. You can also share the page link with colleagues.

Focus on realistic rates, terms, and any extra payments or contributions. Small changes in APR or time horizon often move outcomes more than rounding.

No. Use this calculator to explore scenarios, then consult a qualified advisor or lender for decisions about retirement products.