Roth IRA Calculator: Tax-Free Retirement Growth

A Roth IRA lets your investments grow completely tax-free, and you never pay taxes on qualified withdrawals in retirement. Our Roth IRA conversion calculator helps you determine whether converting traditional IRA funds to Roth makes sense based on your current tax bracket, expected retirement bracket, and investment timeline.

The 2026 Roth IRA contribution limit is 7,000 dollars, or 8,000 if you are age 50 or older. Income limits for direct contributions phase out between 150,000 and 165,000 dollars for single filers. The backdoor Roth strategy lets higher earners contribute through a traditional IRA conversion, but the pro-rata rule can create unexpected tax bills.

Roth IRAs have no required minimum distributions during the owner's lifetime, making them the most flexible retirement account for estate planning and tax management. Use our retirement calculator to project your total retirement income needs and our tax bracket calculator to determine if converting now saves you money long-term.