Home Resources Useful Links Useful Links Financial Calculators October 1, 2021 CPAs & Advisors How much will my Roth IRA be worth at retirement? Use this calculator to compute the amount you can save in a Roth IRA where you pay taxes on your income now, but withdraw the funds tax-free in retirement. Because this is a Roth IRA, your contribution limit is after taxes and your effective contribution limit is higher than a Traditional IRA. This calculator allows you to enter your annual deposit amount in "Before Tax" dollars so that the after tax deposit amount is automatically computed for you. All fields are required. Annual deposit amountDeposit amount isBefore TaxAfter TaxCurrent tax rateNumber of years to saveRate of return Show amortization schedule Calculator Results If you are in a 28.000 % tax bracket now, your after tax deposit amount would be $3,000.00. You will save $148,268.75 over 20 years. Your actual qualifying contribution may differ significantly from the amounts listed above (for reasons such as income, filing status, employer benefits, and more). We strongly recommend that you consult your tax advisor before contributing to a retirement program.Calculator tipsThis calculator uses annual compounding. Annual deposits start today and the final withdrawal amount is available one year after the last deposit.Your actual qualifying contribution may differ significantly from the amounts listed above (for reasons such as income, filing status, employer benefits, and more). We strongly recommend that you consult your tax advisor before contributing to a retirement program. Qualifying contributions are usually limited as follows: Year Annual Contribution Limit 2002 through 2004 $3,000 per individual 2005 through 2007 $4,000 per individual 2008 onward* $5,000 per individual * Beginning in 2009, the contribution limit will adjust annually for inflation in $500 increments. If you are age 50 or over, you may qualify for an additional catch-up contribution as follows: Year Additional Catch-Up Contribution 2002 through 2005 $500 per individual 2006 onward $1,000 per individual Calculator disclaimer The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. Presented by TimeValue Software ©2025
