Roth IRA Calculator
Tax-free growth compared with a traditional IRA. Change the numbers and the result updates instantly.
How it works
A Roth IRA is funded with money you have already paid tax on. Growth and qualified withdrawals are tax-free. A traditional IRA gives a deduction now but taxes withdrawals. The calculator grows your balance to retirement and compares the after-tax value of both accounts using the tax rates you enter. For 2026 the IRA contribution limit is $7,500 for most people, with a higher limit if you are 50 or older; check the IRS for current limits and income limits for Roth contributions.
Example
Rule of thumb: a Roth tends to win if you expect a higher tax rate in retirement than today, and a traditional IRA tends to win if you expect a lower one.
Tips
- Change one input at a time to see what moves the result most.
- Use realistic rates. Check current averages before you decide.
- Results are estimates and do not replace advice from a licensed professional.
Frequently asked questions
Is this calculator free?
Yes. There is no sign-up and nothing is stored on our servers; the math runs in your browser.
How accurate is it?
It uses standard formulas, but real offers include fees, rate changes and taxes that can differ. Treat the result as an estimate.
Sources and method
Page last updated November 2026. See our editorial policy and disclaimer.