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Roth IRA Calculator

See how yearly Roth contributions could grow into tax-free retirement savings.

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How it works

A Roth IRA is funded with after-tax dollars, so qualified withdrawals in retirement — including all the growth — are tax-free. This projects your balance forward; the 2025 contribution limit is $7,000, or $8,000 if you are 50 or older.

Frequently asked questions

Who can contribute to a Roth IRA?

Eligibility phases out at higher incomes. In 2025 the ability to contribute directly begins to phase out around $150,000 for single filers and $236,000 for joint filers; above those ranges other strategies may apply.

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