USA Roth IRA Calculator
USA Roth IRA
Free Roth IRA calculator
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Formula
FV = Monthly × [(1+r)^n - 1] / r × (1+r) + Existing × (1+r)^n
Frequently Asked Questions
What is the 2025 Roth IRA contribution limit?
$7,000 per year ($8,000 if age 50 or older). Income phase-out: $150,000-$165,000 for single filers, $236,000-$246,000 for married filing jointly.
What is the advantage of a Roth IRA?
Contributions are made with after-tax dollars, but all growth and qualified withdrawals in retirement are completely tax-free. Great for people who expect higher tax rates in retirement.
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