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How it works
Formula & explanation
Roth IRA Calculator uses the following calculation:
FV = P(1+i)n + PMT × [ (1+i)n−1 ] / i
This is a simplified model intended for planning and education. Real-world offers from lenders, institutions, or tax authorities may include additional fees, rules, or adjustments not reflected here.
FAQ
Frequently asked questions
What's the benefit of a Roth IRA?
Qualified withdrawals in retirement are tax-free, since contributions are made with after-tax dollars.
Are there income limits on Roth IRA contributions?
Yes — the IRS phases out eligibility to contribute directly above certain income thresholds, which change annually.
What's the annual contribution limit?
The IRS sets a combined traditional + Roth IRA limit each year, plus a catch-up amount for those 50 and older — check current limits before contributing.
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