Roth IRA Calculator
Project Roth IRA growth with a visible contribution-eligibility gate, shared IRA limits, fees, inflation and after-tax scenario comparisons.
What Is the Roth IRA Calculator?
The Roth IRA Calculator projects annual balances from current age through retirement while separately modeling the shared IRA contribution limit, compensation cap and an editable Roth eligibility assumption. It compares qualified Roth, tax-deferred traditional and taxable-account lenses, includes fees and inflation and keeps every limit and tax assumption visible instead of silently treating a current rule as permanent.
How It Works
Enter the balance, ages, planned contribution, compensation and your verified eligibility percentage. Review how much of the contribution is modeled as allowable, compare return and after-tax scenarios, inspect the annual ledger and export the complete assumptions for a financial-planning conversation.
When to Use It
Use it for education and sensitivity testing, not for filing or individualized tax or investment advice. IRA limits, catch-up rules, income phaseouts, compensation definitions, qualified-distribution rules and tax rates can change; confirm the applicable year with the IRS or a qualified professional.
Frequently Asked Questions
- Does It Automatically Determine Roth Eligibility From Income?
- No. Filing status, modified adjusted gross income and current phaseout rules require current-year facts. The calculator exposes an eligibility percentage for you to set from verified guidance.
- Are Roth Withdrawals Always Tax-Free?
- No. The qualified Roth comparison assumes applicable holding-period and distribution requirements are met. The tool does not determine whether a specific withdrawal qualifies.
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