Roth IRA Calculator
Enter your age, contribution, and expected return. See where your Roth lands at retirement — and how much more you'll keep than with a Traditional IRA.
$1,120,807
tax-free at 65
35 years of growth
Roth projection
Balance @ retirement
$1,120,807
Total contributions
$253,000
Growth
$867,807
vs. Traditional (after-tax)
+$246,578
Freedom Coach™
Projected $1,120,807 at age 65 — tax-free at withdrawal.
Roth beats Traditional here by ~$246,578 in after-tax dollars given your retirement tax rate.
Premium
Save Roth scenarios, compare tax brackets, and stress-test a Backdoor Roth strategy.
Unlock Premium$7,000 per year (plus a $1,000 catch-up if you're 50+). Income phase-outs start around $150k single / $236k married filing jointly.
Roth is best when your current tax rate is lower than what you expect in retirement. Young professionals, dual-income savers with a long runway, and anyone hedging against future tax hikes usually favor Roth.
You can pull contributions (not earnings) out anytime tax- and penalty-free. Earnings are tax-free after age 59½ AND 5 years since your first Roth contribution.
Look into a Backdoor Roth IRA — contribute to a non-deductible Traditional IRA, then convert to Roth. Works cleanly if you don't already have a Traditional IRA balance.
Yes — limits are separate. Max both if you can: $23,500 in the 401(k) + $7,000 in the Roth IRA = $30,500/year of tax-advantaged savings.
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