Roth IRA calculator

Your age

Filing status

Modified AGI ($)

Roth IRA balance now ($)

Contribution a year ($)

Return (%)

Retirement age

Tax rate now (%)

Tax rate in retirement (%)

You can contribute in 2026$7,500The full $7,500 limit

Roth IRA at 65$860,701All tax-free

Same money in a traditional IRA$757,417After 12% tax; saves $1,650 of tax a year now

Traditional, with the tax saved invested$913,277Compare this with the Roth figure

Putting $7,500 a year into a Roth IRA for 30 years at 7% grows to about $860,701, all tax-free. With these tax rates the traditional IRA comes out ahead, because your tax rate in retirement is lower than today.

Free Roth IRA calculator by Killion Labs. Tables, worked examples and assumptions are on the full page.