Free Roth IRA Calculator - Tax-Free Retirement Growth
Calculate how your Roth IRA will grow tax-free. Best free Roth IRA calculator 2025 - see the power of tax-free compounding for retirement.
Quick Answer
A Roth IRA offers tax-free growth and tax-free withdrawals in retirement. Contribute with after-tax dollars, and your investments grow tax-free. The 2025 contribution limit is $7,000 ($8,000 if 50+). Income limits apply: phaseout starts at $150,000 (single) or $236,000 (married). Calculate growth at practicalwebtools.com.
Key Facts about Roth IRA Calculator:
- 2025 Roth IRA limit: $7,000 ($8,000 if 50+)
- Income limits: phaseout at $150K single, $236K married filing jointly
- Tax-free growth and tax-free qualified withdrawals
- No Required Minimum Distributions (unlike traditional IRA)
- Contributions can be withdrawn anytime tax and penalty-free
- 5-year rule for earnings withdrawal qualification
- Backdoor Roth available for high earners
Why Use Our Roth IRA Calculator?
Plan your tax-free retirement:
Tax-Free Growth
See how money grows without tax drag.
Contribution Tracking
Maximize annual contributions.
Roth vs Traditional
Compare tax strategies.
Income Limit Check
Verify your eligibility.
Instant Results
Get projections immediately.
100% Private
Your retirement plans stay private.
How to Roth IRA Calculator in 3 Easy Steps
Plan your Roth IRA:
Enter Contributions
Current balance and annual contributions.
Set Assumptions
Expected return and years to retirement.
See Tax-Free Growth
View your Roth IRA at retirement.
The Power of Tax-Free Growth
Grow wealth completely tax-free
No required minimum distributions
Flexible withdrawal of contributions
Tax diversification in retirement
Common Use Cases for Roth IRA Calculator
Perfect for:
Frequently Asked Questions
Everything you need to know about our roth ira calculator
What is a Roth IRA?
Retirement account with after-tax contributions, tax-free growth and withdrawals.
A Roth IRA is a retirement account funded with after-tax money. Investments grow tax-free, and qualified withdrawals in retirement are completely tax-free.
Roth IRA vs Traditional IRA?
Roth: tax now, free later. Traditional: deduction now, tax later.
Roth: Pay tax now, tax-free later. Traditional: Tax deduction now, pay tax later. Roth is better if you expect higher taxes in retirement or want flexibility.
What are Roth IRA income limits?
Single: $150K-$165K phaseout. Married: $236K-$246K phaseout.
2025 limits: Single filers phaseout $150,000-$165,000. Married filing jointly $236,000-$246,000. Above these, direct Roth contributions are not allowed (backdoor Roth available).
Can I withdraw from my Roth IRA early?
Contributions anytime; earnings need 5-year rule and age 59.5.
Contributions can be withdrawn anytime tax and penalty-free. Earnings have 5-year rule and 59.5 age requirement for tax-free withdrawal.
What is a backdoor Roth IRA?
Contribute to traditional IRA, convert to Roth - legal for high earners.
High earners above income limits can contribute to a non-deductible traditional IRA, then convert to Roth. Legal strategy for those over income limits.
Still have questions? Try the tool yourself!
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