Roth IRA Calculator
Project how much tax-free wealth your Roth IRA could build — contributions, growth and final balance to retirement — plus check your 2025 contribution limit against IRS income phase-outs. Instant, private, and calculated entirely in your browser.
✓ Growth Projection · ✓ 2025 Limits & Phase-Outs · ✓ Instant & Private🔧 JS ⏳ · Input — · Result — · Engine ⏳
Roth IRA Contribution Limits for 2025
| Your situation (2025) | Max Roth IRA contribution |
|---|---|
| Under age 50, MAGI below phase-out start | $7,000 |
| Age 50 or older, MAGI below phase-out start | $8,000 ($7,000 + $1,000 catch-up) |
| Single / HoH, MAGI $150,000 – $165,000 | Reduced — phases down toward $0 |
| Single / HoH, MAGI $165,000+ | $0 — not eligible for direct Roth contribution |
| Married Filing Jointly, MAGI $236,000 – $246,000 | Reduced — phases down toward $0 |
| Married Filing Jointly, MAGI $246,000+ | $0 |
| Married Filing Separately, MAGI $0 – $10,000 | Reduced — phases out very fast |
The contribution limit is per person, across all your IRAs combined (Roth + Traditional). You can contribute for a tax year between January 1 and the April tax-filing deadline of the following year. If your income exceeds the phase-out, a legal workaround exists — a "backdoor" conversion through a Traditional IRA — which this tool does not model; a tax professional can walk you through it.
How Roth IRA Growth Is Calculated
Where P is your current balance, C is your annual contribution, and r is your expected annual return as a decimal. Worked example: a $10,000 balance with $7,000 added every year at a 7% average return for 30 years grows to roughly $711,000 — of which only $220,000 is what you put in. The other ~$491,000 is tax-free compound growth, which is the entire pitch of the Roth IRA. Withdraw every dollar of that gain at retirement and you owe $0 in federal tax.
Run the calculator above with those exact numbers to see it live — and try 5% or 9% too. Small changes in assumed return swing the result enormously over 30 years, which is why honest calculators show inputs, not promises.
Roth IRA by Age — What to Focus On
| Life stage | Priority inside a Roth IRA |
|---|---|
| 20s | Contribute anything, even $50/month — decades of compounding do the heavy lifting. Growth is your superpower. |
| 30s | Raise contributions with each raise; consider Roth-heavy savings while your tax bracket is relatively low. |
| 40s | Balance Roth vs 401(k) match first (grab employer match), then max the Roth. Track your MAGI against phase-outs. |
| 50s | Use the $1,000 catch-up ($8,000 total). Conversion strategies become interesting — model them with a professional. |
| 60s+ | No Required Minimum Distributions on Roth IRAs during your lifetime — a key estate-planning advantage. |
Why Use This Roth IRA Growth Calculator?
Real Compound Math
Standard future-value formula with contributions — the same math advisors use, shown step by step.
2025 Limit Checker
Age, filing status and MAGI in — your exact allowed contribution out, phase-outs included.
Contributions vs Growth
See how much of your final balance is your own money versus compound growth.
100% Private
Balances, ages and income never leave your browser — nothing sent or stored.
Scenario Testing
Change return % or contributions and watch retirement swing — instant what-if analysis.
Free & Offline
No account, no limits, pure browser math that works without internet.
Popular Use Cases
- 📈 Project your tax-free nest egg from today to age 59½ or 65
- ✅ Check whether a raise pushes you into the Roth phase-out range
- 🎯 Test "max contribution from age 25 vs age 35" and see the decade gap
- 👩💻 Freelancers with variable income modeling uneven contributions
- 👨👩👧 Comparing Roth eligibility as Married Filing Jointly vs Separately
- 🎓 Understanding compound growth before opening a first IRA
Pro Tips for Roth IRA Planning
- Contribute early in the year: the money compounds from the day it lands — January contributions get up to 15 extra months of growth versus last-minute April filers.
- Confirm the 5-year rule twice: earnings withdraw tax-free only after age 59½ AND five years since your first Roth contribution. Two separate clocks, both required.
- Contributions (not earnings) come out anytime: you can withdraw the amount you contributed without tax or penalty at any age — a genuine flexibility feature, though leaving it in is the whole point.
- Watch your MAGI in December: a year-end bonus can push you into the phase-out. If it does, you have until the tax deadline to remove the excess (with earnings) to avoid penalties.
- 7% is a plan, not a promise: the S&P 500's long-run nominal average is near 10%, roughly 7% after inflation. Model both — and remember sequence risk matters near retirement.
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