Estimate Roth IRA tax-free growth, contribution eligibility, Roth versus Traditional IRA outcomes, Roth conversion impact, and retirement income scenarios.
Free Calculator
Project tax-free Roth IRA growth, compare Roth versus Traditional assumptions, and estimate Roth conversion tradeoffs.
Tax-Free Balance at Retirement
$1.26M$446,975 in today's dollarsMonthly Tax-Free Income
$4,192/moUsing 4.0% withdrawal rate| Age | Contribution | Growth | Balance | Monthly Income |
|---|---|---|---|---|
| 33 | $7,000 | $1,530 | $26,530 | $88/mo |
| 34 | $7,000 | $2,147 | $35,677 | $119/mo |
| 35 | $7,000 | $2,808 | $45,485 | $152/mo |
| 36 | $7,000 | $3,517 | $56,002 | $187/mo |
| 37 | $7,000 | $4,277 | $67,280 | $224/mo |
| 38 | $7,000 | $5,093 | $79,372 | $265/mo |
| 39 | $7,000 | $5,967 | $92,339 | $308/mo |
| 40 | $7,000 | $6,904 | $106,244 | $354/mo |
| 67 | $7,000 | $84,533 | $1.26M | $4,192/mo |
Formula
The calculator compounds your current Roth IRA balance and annual contributions until retirement, then estimates tax-free retirement income using the withdrawal rate you enter.
Planning
Roth IRA contributions are made after tax, so the calculator focuses on future tax-free value, contribution eligibility assumptions, Roth versus Traditional tradeoffs, and Roth conversion tax impact.
Use cases
Use it to estimate tax-free Roth growth, contribution eligibility, Roth versus Traditional tradeoffs, and Roth conversion scenarios before making retirement-planning decisions.
Use the result as a planning estimate only, then confirm eligibility, contribution limits, conversion taxes, and withdrawal rules with qualified professionals.
Use the result as a planning estimate only, then confirm eligibility, contribution limits, conversion taxes, and withdrawal rules with qualified professionals.
Use the result as a planning estimate only, then confirm eligibility, contribution limits, conversion taxes, and withdrawal rules with qualified professionals.
Use the result as a planning estimate only, then confirm eligibility, contribution limits, conversion taxes, and withdrawal rules with qualified professionals.
Use the result as a planning estimate only, then confirm eligibility, contribution limits, conversion taxes, and withdrawal rules with qualified professionals.
Use the result as a planning estimate only, then confirm eligibility, contribution limits, conversion taxes, and withdrawal rules with qualified professionals.
Calculator details
Last updated: July 2026
Formula used
Roth IRA future value = after-tax contributions compounded by assumed return over time.
Assumptions
Example calculation
A $500 monthly contribution at a 6% annual return can grow substantially over a long time horizon before market volatility and fees.
When to use this calculator
Use it to estimate tax-free retirement savings scenarios and compare contribution amounts.
Disclaimer
This calculator is for estimation and educational use only. It does not replace professional financial, tax, legal, mortgage, investment, or accounting advice.
Questions
It estimates tax-free Roth IRA growth, inflation-adjusted value, retirement income, simplified contribution eligibility, Roth versus Traditional IRA outcomes, and Roth conversion scenarios based on the values you enter.
It includes a simplified income phase-out estimate. Contribution limits and income thresholds can change by tax year, so confirm eligibility with official guidance or a qualified tax professional.
The conversion analyzer estimates tax due now on a Traditional IRA conversion, the amount landing in Roth, future Roth value, Traditional after-tax value, break-even timing, and a simplified net conversion impact.
No. It is for educational planning only. Roth IRA decisions can depend on income, filing status, tax year, contribution rules, conversion rules, investment risk, withdrawal rules, and personal circumstances. Review decisions with a qualified advisor or tax professional.
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