Model tax-free growth potential. Calculate how much you keep when capital gains and dividends are shielded from the IRS forever.
2026 Limits: $7,000 (under 50) / $8,000 (50+ catch-up)
Enter contribution parameters to calculate tax-free wealth potential
Roth IRAs are powerful estate planning vehicles. Unlike Traditional IRAs, they have no Required Minimum Distributions (RMDs) during your lifetime under current law, allowing tax-free compounding indefinitely.
2026 phase-out begins at $146,000 (single) / $230,000 (married). High earners use "backdoor Roth" (non-deductible Traditional IRA → Roth conversion) to bypass restrictions.
Contributions can be withdrawn anytime tax-free. Earnings require 5-year seasoning + age 59½ for penalty-free access. First-time home purchase ($10k) and qualified education expenses have exceptions.