Roth IRA Calculator | UpTools

Roth IRA CalculatorCalculate your tax-free retirement savings with a Roth IRA. See how your contributions grow over time.How it works

Enter your current age, retirement age, and current Roth IRA balance.

Set your annual contribution (2025 limit: $7,000, $8,000 if 50+).

Enter expected annual return rate and optional contribution increase.

Click Calculate to see your tax-free retirement savings projection.

FAQ

What is a Roth IRA?

A Roth IRA is a retirement account where you contribute after-tax dollars, but all withdrawals in retirement are tax-free.

What is the 2025 contribution limit?

$7,000 per year ($8,000 if you're 50 or older). Income limits apply.

Can I withdraw early?

You can withdraw contributions (not earnings) anytime tax-free. Earnings require age 59½ and 5-year holding period.

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