Roth IRA Calculator
Roth contributions grow tax-free and withdraw tax-free after 59½. Project the account and quantify the tax drag you avoid versus a taxable mirror.
Projected Roth IRA
$1,442,169.48
- Same money in taxable account
- $1,222,446.41
- Tax drag avoided
- $219,723.07
2025 limit $7,000 (+$1,000 catch-up 50+) subject to MAGI phase-outs.
How the Roth IRA Calculator works
The calculation follows the standard method used across the US — no shortcuts, no hidden assumptions. Here is exactly what happens behind the scenes:
Frequently Asked Questions
2025 Roth IRA income limits?
Full contributions phase out near $150k–$165k MAGI (single) and $236k–$246k (joint). Over the top, the backdoor Roth remains available.
Can I withdraw contributions early?
Yes — direct contributions come out anytime tax/penalty-free; earnings have rules. That flexibility makes a Roth a stealth emergency fund for disciplined savers.
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