Roth IRA Plan Calculator
Project your Roth IRA balance at retirement and compare it to a taxable brokerage account with the same contributions, using assumptions similar to NRIPage’s Roth IRA calculator. Roth growth is tax-free; the taxable path applies your marginal tax rate each year to investment earnings only (illustration, not tax advice). Maximize contributions is shown for parity; IRS limit escalation is not modeled yet.
Estimated Roth IRA balance
₹ 0.00
Taxable account (illustrative)
₹ 0.00
Years to retirement
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Roth IRA vs taxable account
Account balance as you age
How to Use This Calculator
- Enter starting Roth balance, your age, annual contribution, retirement age, expected return, and marginal tax rate for the taxable comparison.
- The Roth line uses tax-free growth; the taxable line reduces each year’s return by taxes on gains at your marginal rate (simplified).
- Click Calculate to refresh the headline balances and the comparison chart.
Frequently Asked Questions
Why doesn’t “Maximize contributions” change the chart?
IRS limits and auto-escalation are not built in yet; use the annual contribution field for the amount you want illustrated.
Does this include taxes on withdrawals?
The Roth ending balance assumes qualified tax-free withdrawals. The taxable path only models annual tax drag on investment earnings, not liquidation or basis.
