Free retirement tool

Free Roth IRA Calculator — See Your Tax-Free Retirement Balance

Estimate how your Roth IRA could grow by retirement, compare it side by side with a traditional IRA, and see how tax rates shape the decision.

Use the calculator as a fast planning tool, then dig into the full guide if you want contribution limits, backdoor rules, five-year rules, and a deeper Roth strategy.

Your inputs

Current age Retirement age Current Roth IRA balance ($) Annual contribution ($) Expected annual return (%) Current marginal tax rate (%) Expected tax rate in retirement (%) Estimated modified AGI ($) Tax filing status

Assumption: the same annual contribution amount is invested in either account. The break-even rate shown assumes you also invest the traditional IRA tax deduction.

Roth vs. traditional at retirement

Measure	Roth IRA	Traditional IRA

Traditional balances are shown pre-tax and after expected retirement taxes so you can compare spendable value, not just account size.

How to read the result

Your Roth decision readout will appear here.

Enter an estimated modified AGI to check whether direct Roth contributions may phase out and whether a backdoor Roth is worth reviewing.

Roth balances can be withdrawn tax-free in retirement if the account rules are satisfied.
Traditional IRA withdrawals are typically taxed as ordinary income, which reduces spendable retirement income.
The break-even tax rate is the tax rate where Roth and traditional can be roughly equal if you invest the traditional tax deduction as well.

Your Roth projection

Projected Roth balance

Tax-free income at 4%

Taxes avoided vs traditional

Break-even tax rate

Update the inputs to see your result.

Key takeaways

Traditional after-tax value

Traditional tax deduction this year

Years to retirement

Traditional after-tax 4% income

Go deeper with the guide

The paid Roth IRA Master Guide adds contribution-limit maximizers, backdoor Roth instructions, five-year-rule cheat sheets, inherited Roth rules, a Roth conversion ladder overview, and a Fidelity setup walkthrough.

See the Roth IRA Master Guide

Educational tool only. Use it to frame the decision, then verify account and tax details for your situation.