Premium Preview
Roth IRA Planning is available in Pro and Elite. Free users can view the preview only.
Roth IRA Planning
Check eligibility, contribution limits, tax-free growth, and long-term retirement projections.
Estimated Roth IRA Limit
$7,500
Based on 2026 IRS contribution and income phase-out rules.
Projected Roth IRA Value
$633,900
Based on $7,500 per year and 8.0% expected return.
Eligibility & Contribution Room
Roth IRA contributions depend on age, earned income, filing status, and MAGI.
Status
Full contribution
Base IRA Limit
$7,500
Applies to Roth + Traditional IRA combined.
Age 50+ Limit
$8,600
Includes the catch-up contribution.
Your Max Allowed
$7,500
Estimated from your inputs.
Over Limit Risk
Low
Avoid excess contribution penalties.
Roth IRA Inputs
Enter your tax profile to estimate your Roth IRA contribution eligibility.
Growth Projection
Estimate tax-free retirement value from annual Roth IRA contributions.
Projected Growth
$433,900
Projected Roth IRA value
$633,900
Qualified withdrawals may be tax-free.
Total contributions
$187,500
Based on allowed planned contributions.
Taxable equivalent
$834,080
Approximate taxable value needed to net the same amount.
Roth IRA Rules Snapshot
Important planning rules to understand before contributing.
After-tax contributions
Roth IRA contributions do not reduce your taxable income today. The main benefit is potential tax-free growth and qualified withdrawals later.
Income limits
High earners may receive a reduced contribution limit or may not be eligible to contribute directly.
Five-year rule
Tax-free earnings withdrawals generally require the Roth IRA to satisfy the five-year rule and age or qualifying conditions.
No lifetime RMDs
Roth IRAs generally do not require minimum distributions during the original owner’s lifetime.
Educational content only — not financial advice.