Project tax-free retirement growth and your monthly income at withdrawal under the 4% safe-withdrawal rule.
IRS cap: $7,000/yr (under 50).
35 years at 8% annual return.
A tailored PDF with your final balance, monthly retirement income, year-by-year growth, and the 2025 IRS limit context.
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You pay income tax on contributions today; withdrawals are tax-free in retirement.
Earnings compound tax-free and qualified withdrawals avoid all federal tax.
Unlike traditional IRAs, Roth IRAs have no required minimum distributions in your lifetime.
A Roth IRA is a federally tax-advantaged retirement account funded with after-tax dollars. Qualified withdrawals — after age 59½ and 5+ years of account ownership — come out completely tax-free.
For 2025 the IRS caps annual contributions at $7,000 (under 50) or $8,000 (50+ catch-up). Income phase-outs may limit or eliminate direct contributions for high earners; a backdoor Roth conversion may still be an option.
$7,000 if you're under 50; $8,000 if 50 or older (the $1,000 catch-up). Limits are inflation-adjusted annually by the IRS.
Yes. Phase-outs apply: for 2025 single filers between MAGI $150k–$165k and joint filers $236k–$246k. Above those, direct contributions are not allowed (but a backdoor conversion may still be possible).
After age 59½ AND the account has been open at least 5 years. Contributions (not earnings) can be withdrawn anytime, tax-free.
Not during your lifetime. This makes them powerful estate-planning tools.
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