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Calculate tax-free Roth IRA growth. See 2025 limits and project your retirement savings.
Roth IRAs grow tax-free and withdrawals are tax-free in retirement. 2025 limit: $7,000 ($8,000 if 50+). Income limits apply. Ideal for younger workers expecting higher future tax rates.
$833,397
All withdrawals tax-free
$225,000
$608,397
Never taxed!
$152,099
vs taxable account
Great job! You're maxing out your Roth IRA.
Why Roth IRA? You contribute after-tax dollars, but all growth and withdrawals in retirement are completely tax-free. This is especially valuable if you expect to be in a higher tax bracket in retirement.
Learn more about how we calculate and our editorial standards.