Project how your Roth IRA grows completely tax-free — you contribute with after-tax dollars, pay no tax on investment gains, and withdraw everything tax-free in retirement.
2025 limit: $7,000 ($8,000 if 50+). You'll see your income-based cap below.
Each year your balance grows by your annual return, then your contribution is added (both at the end of the year). Earnings = total value − total contributions. Your contribution cap uses the 2025 IRS limits: $7,000 (or $8,000 age 50+, including the $1,000 catch-up). If your MAGI falls inside the 2025 phase-out range, the cap is reduced proportionally (rounded down to the nearest $10) using the official IRS formula: for single filers the range is $150,000–$165,000; for married filing jointly $236,000–$246,000; for married filing separately $0–$10,000. Contributions above your cap are not allowed and are excluded from the projection.
Tip: the biggest Roth IRA advantage is tax diversification. If you'll be in a higher tax bracket in retirement, Roth beats Traditional. And unlike a Traditional IRA, Roth IRAs have no RMDs — you're never forced to withdraw.
Qualified withdrawals — including all earnings — are 100% tax-free at the federal level.
Uses the exact IRS contribution caps and MAGI phase-out ranges published for 2025.
Roth IRAs have no Required Minimum Distributions, unlike Traditional IRAs.
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