Roth IRA Calculator 2025
Calculate your Roth IRA growth with 2025 contribution limits ($7,000 or $8,000 for 50+). See how tax-free growth builds your retirement wealth.
2025 limit: $7,000 (under 50) or $8,000 (50+)
Used to determine contribution eligibility
Projected Balance at Retirement
$1,074,424
At age 65 (35 years)
Total Contributions
$255,000
Investment Growth
$819,424
Growth Breakdown
Max Annual Contribution
$7,000
Est. Tax Savings
$236,373
| Year | Age | Contribution | Growth | Balance |
|---|---|---|---|---|
| 1 | 31 | $7,000 | $700 | $17,700 |
| 2 | 32 | $7,000 | $1,239 | $25,939 |
| 3 | 33 | $7,000 | $1,816 | $34,755 |
| 4 | 34 | $7,000 | $2,433 | $44,188 |
| 5 | 35 | $7,000 | $3,093 | $54,281 |
| 6 | 36 | $7,000 | $3,800 | $65,080 |
| 7 | 37 | $7,000 | $4,556 | $76,636 |
| 8 | 38 | $7,000 | $5,365 | $89,000 |
| 9 | 39 | $7,000 | $6,230 | $102,231 |
| 10 | 40 | $7,000 | $7,156 | $116,387 |
| 11 | 41 | $7,000 | $8,147 | $131,534 |
| 12 | 42 | $7,000 | $9,207 | $147,741 |
| 13 | 43 | $7,000 | $10,342 | $165,083 |
| 14 | 44 | $7,000 | $11,556 | $183,639 |
| 15 | 45 | $7,000 | $12,855 | $203,493 |
| 16 | 46 | $7,000 | $14,245 | $224,738 |
| 17 | 47 | $7,000 | $15,732 | $247,470 |
| 18 | 48 | $7,000 | $17,323 | $271,793 |
| 19 | 49 | $7,000 | $19,025 | $297,818 |
| 20 | 50 | $7,000 | $20,847 | $325,665 |
| 21 | 51 | $7,000 | $22,797 | $355,462 |
| 22 | 52 | $7,000 | $24,882 | $387,344 |
| 23 | 53 | $7,000 | $27,114 | $421,458 |
| 24 | 54 | $7,000 | $29,502 | $457,960 |
| 25 | 55 | $7,000 | $32,057 | $497,018 |
| 26 | 56 | $7,000 | $34,791 | $538,809 |
| 27 | 57 | $7,000 | $37,717 | $583,525 |
| 28 | 58 | $7,000 | $40,847 | $631,372 |
| 29 | 59 | $7,000 | $44,196 | $682,568 |
| 30 | 60 | $7,000 | $47,780 | $737,348 |
| 31 | 61 | $7,000 | $51,614 | $795,962 |
| 32 | 62 | $7,000 | $55,717 | $858,680 |
| 33 | 63 | $7,000 | $60,108 | $925,787 |
| 34 | 64 | $7,000 | $64,805 | $997,592 |
| 35 | 65 | $7,000 | $69,831 | $1,074,424 |
How This Calculator Works
Enter Your Details
Input your age, current balance, annual contribution, expected return, and income for eligibility check.
Check Eligibility
The calculator checks your income against 2025 MAGI limits and calculates your maximum allowed contribution.
Project Growth
See your projected tax-free retirement balance with year-by-year breakdown and estimated tax savings.
Who Should Use This Calculator
A Roth IRA is one of the best retirement savings vehicles for building tax-free wealth.
Young Professionals
Starting early for maximum tax-free growth
High Earners
Checking eligibility and backdoor Roth options
Tax Planners
Comparing Roth vs Traditional IRA benefits
Parents
Opening Roth IRAs for children with earned income
2025 Roth IRA Contribution Limits
- Under age 50: $7,000 per year
- Age 50 and older: $8,000 per year (includes $1,000 catch-up)
- Full contribution: MAGI under $150,000
- Reduced contribution: $150,000 - $165,000
- Not eligible: MAGI over $165,000
- Full contribution: MAGI under $236,000
- Reduced contribution: $236,000 - $246,000
- Not eligible: MAGI over $246,000
- Tax-free growth and withdrawals
- No required minimum distributions
- Withdraw contributions anytime tax-free
- Pass to heirs tax-free