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Roth IRA Calculator — Starting at 25
Roth IRA balance at retirement when you start contributing at age 25 with $7,000/year.
Roth IRA Balance at Retirement
$1,495,266.99
Annual Tax-Free Withdrawals (4%)
$59,810.68
Traditional IRA (After-Tax Value)
$1,495,266.99
Roth Advantage
$-0.00
2026 Roth IRA income phase-out: $150K–$165K single, $236K–$246K married.
2026 Roth IRA income phase-out: $150K–$165K single, $236K–$246K married.