Roth IRA Calculator | Compare Tax-Free Growth vs. Taxable Accounts

Roth IRA Calculator

Estimate your retirement savings growth and compare Roth IRA tax-free benefits with taxable investment accounts

Calculate Your Retirement

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$100 $50K
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1% 20%
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Comparison Results

Roth IRA Balance
$542,300
Tax-Free Growth
Taxable Account
$412,750
After Taxes
Roth IRA Advantage
$129,550
Extra retirement savings with Roth IRA

Growth Timeline

Age 35
$25,000
Age 45
$148,200
Age 55
$328,400
Age 65
$542,300

Roth IRA Benefits

Roth IRAs offer tax-free growth and tax-free withdrawals in retirement. Unlike traditional IRAs, contributions are made with after-tax dollars, meaning you pay taxes now but enjoy tax-free income later.

Tax Advantages

Taxable accounts are subject to capital gains taxes annually, reducing your overall returns. Roth IRAs grow completely tax-free, allowing your investments to compound without tax drag over time.

Why Choose Roth

Roth IRAs are ideal if you expect to be in a higher tax bracket during retirement. They also have no required minimum distributions, allowing your savings to grow throughout your lifetime.

Important Information

This calculator provides estimates based on the information you entered. Results are for illustrative purposes only and do not represent actual investment performance. This tool is not financial advice. Roth IRA contributions are subject to income limits and other regulations. Consult with a qualified financial advisor before making any investment decisions. This calculator is intended for U.S. residents. For calculations concerning other types of IRAs, please visit our IRA Calculator.