Wealthy PotRoth IRA Calculator
Project your tax-free Roth IRA balance at retirement and see how much of it is pure investment growth. A fast Roth IRA estimator with no sign-up.
See your tax-free retirement balance
A Roth IRA is one of the most powerful retirement accounts available: you invest after-tax dollars, and every dollar of growth comes out tax-free in retirement. Enter your current balance, annual contribution, expected return, and ages, the calculator projects your balance at retirement and shows how much of it is pure investment growth.
Why tax-free growth is such a big deal
In a regular taxable brokerage account you owe capital-gains tax on your profits. In a Roth, that tax disappears, over decades of compounding, sheltering the growth can save tens of thousands of dollars. The calculator estimates the long-term capital-gains tax you'd otherwise pay so you can see the Roth advantage.
How to get the most from it
- Contribute early in the year so your money has more time to compound.
- Automate contributions and aim for the annual limit if you can.
- Pair it with the math behind compound interest, and compare it with a traditional IRA to pick the right account for your tax situation.
Frequently Asked Questions
How is a Roth IRA taxed?
You contribute money you have already paid tax on, so it grows and is withdrawn in retirement completely tax-free (after age 59½ and a 5-year holding period). That is the opposite of a traditional IRA, where you get the deduction now and pay tax on withdrawals later.
What is the 2026 Roth IRA contribution limit?
For 2026 the limit is $7,000, or $8,000 if you are 50 or older. High earners may be limited or phased out based on income, check the current IRS income limits before maxing out.
What return rate should I assume?
Roth IRAs are usually invested in stock-market funds for the long run. Many people model 6–8% as a rough long-term average (not guaranteed). Use a conservative figure so your projection is not over-optimistic.