Free tool

Roth IRA Calculator

See what steady Roth IRA contributions could grow into by retirement — all of it withdrawable tax-free in retirement.

Your inputs

The IRS adjusts the annual IRA contribution limit most years, and savers 50+ get an extra catch-up amount — edit the contribution to match the current limit for your situation.

Tax-free at 65
$1,223,207
You contributed
$260,000
Tax-free growth
$963,207

Growth over time

Gold line: your balance. Dashed line: what you put in. In a Roth IRA, the gap between them is never taxed again.

A Roth IRA is funded with money that's already been taxed, so qualified withdrawals in retirement — contributions and growth alike — are tax-free. Many investors value that certainty because it removes future tax rates from the equation entirely. Income limits determine who can contribute directly, and the annual cap changes periodically with inflation.

Stop calculating. Start tracking.

Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.

Start free trial