Roth IRA Calculator
Project tax-free Roth IRA growth at the annual contribution limit.
2025 limit: $7,000 / $8,000 if 50+
Result
Roth IRA Calculator — FAQs
2025 Roth IRA limit?
$7,000/year ($8,000 if 50+), phasing out at $150k–$165k MAGI single / $236k–$246k married filing jointly.
Why Roth?
Contributions are post-tax but growth and qualified withdrawals are completely tax-free — best when you expect a higher rate later.
Roth vs traditional IRA?
Roth: taxed now, tax-free growth and withdrawals. Traditional: deductible now, taxed on withdrawal. Roth wins if your rate is higher in retirement.
What are Roth income limits?
Contributions phase out at $150k–$165k MAGI single and $236k–$246k married filing jointly (2025). Backdoor Roth exists above that.
IRA contribution limit 2025?
$7,000 under 50, $8,000 with catch-up — shared across traditional and Roth IRAs combined.
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