2025 contribution limit: $7,000 ($8,000 if 50+). Qualified withdrawals are tax-free.
Example: Current age: 30 yrs · Retirement age: 65 yrs · Current Roth balance: $20,000 · Annual contribution: $7,000 → Tax-free balance at 65: $1,181,190.
Total contributed: $265,000
Tax-free growth: $916,190
Frequently asked questions
How do I calculate roth ira? 2025 contribution limit: $7,000 ($8,000 if 50+). Qualified withdrawals are tax-free. Enter your numbers above and the result updates instantly. For example: Current age: 30 yrs · Retirement age: 65 yrs · Current Roth balance: $20,000 · Annual contribution: $7,000 → Tax-free balance at 65: $1,181,190.
Is this Roth IRA Calculator free? Yes — completely free with no sign-up or paywall. It runs entirely in your browser and keeps working offline; the numbers you enter never leave your device.
How accurate is it? It uses the standard published formula for roth ira. Results are estimates for planning — not financial, tax, medical, engineering, or legal advice.