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Roth IRA Calculator

Calculate your tax-free Roth IRA balance at retirement. See how much you will have and how much tax you will save vs a Traditional IRA.

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2025 limit: $7,000 ($8,000 if age 50+)
Used to compare vs Traditional IRA
Tax-Free Balance
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Total Contributed
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Tax-Free Growth
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Years of Growth—
Roth IRA Balance at Retirement—
Traditional IRA (same contributions)—
Traditional IRA After Tax (est.)—
Roth Advantage—
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Roth IRA vs Traditional IRA

A Roth IRA is funded with after-tax dollars, meaning your contributions do not reduce your taxable income today. But all growth and qualified withdrawals in retirement are completely tax-free. A Traditional IRA gives you a tax deduction now but you pay taxes on withdrawals in retirement.

Roth wins if you expect to be in a higher tax bracket in retirement. Traditional wins if you expect a lower tax bracket in retirement. For most young earners, Roth is the better choice.

2025 Roth IRA Limits

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