What is Roth IRA Calculator?
Roth IRA Calculator is a free online tool that helps you project your retirement savings, check eligibility, and compare Roth vs Traditional or taxable accounts. It provides real-time projections based on your age, contributions, and expected return rate, with a year-by-year breakdown and chart showing compound interest growth.
Who it's for
- Young savers — who want to see how starting early with small contributions can grow into a substantial tax-free nest egg
- Mid-career planners — who need to check Roth IRA eligibility based on income and compare after-tax outcomes with Traditional IRA options
- Retirement optimizers — who want a side-by-side comparison of Roth IRA versus taxable brokerage accounts to minimize tax drag
Key features
Growth Projection with Year-by-Year Breakdown
Enter your current age, retirement age, current balance, and annual contribution. The calculator instantly shows your estimated balance at retirement, with a full table breaking down contributions versus interest earned each year. A chart visualizes the compound interest growth over time.
Eligibility Check Based on MAGI
Select your tax filing status and enter your Modified Adjusted Gross Income (MAGI). The calculator checks 2025 and 2026 IRS limits and tells you exactly how much you can contribute — full amount, reduced, or none — based on your income bracket.
Roth vs Traditional IRA Comparison
Compare after-tax values of Roth and Traditional IRA contributions side by side. The calculator factors in your current marginal tax rate, expected retirement tax rate, and reinvestment of Traditional IRA tax savings in a taxable account. Results show which strategy wins and by how much.
Roth vs Taxable Brokerage Account
Model the long-term advantage of tax-free Roth growth versus a taxable account subject to dividend taxes and capital gains. Input dividend yield, dividend tax rate, and capital gains rate to see the Roth IRA advantage in dollars.
What stands out
"You want to know what your Roth IRA will actually be worth when you retire. Not a vague guess — a real number."
The calculator updates instantly as you adjust any input — no button clicking or page reloads. Every scenario (growth projection, eligibility, Roth vs Traditional, Roth vs Taxable) is available in one place, and the year-by-year table shows your balance at every age so you can pinpoint exactly when compounding kicks in.
Worth checking out if…
You're serious about retirement planning and want a free, no-registration tool that gives you concrete numbers — not generic advice. Whether you're deciding between Roth and Traditional, checking if your income still allows contributions, or just curious what $200 a month could grow to by retirement, this calculator delivers clear, actionable projections.
