Educational use only
What our calculators and guides are — and just as importantly, what they aren't — before you make a decision with real money.
Not financial, tax, or legal advice
Everything published on RothIRACalculator.us is for general educational purposes. It is not, and should not be relied on as, personalized financial, tax, legal, or investment advice. Decisions about your retirement accounts have real long-term consequences — always consult a licensed professional who understands your full situation before acting.
Educational only
All calculators, charts, and guides are educational. Nothing on this site is personalized financial, tax, legal, or investment advice.
Not a fiduciary
RothIRACalculator.us is a publisher, not a registered investment adviser, broker-dealer, CPA firm, or law firm. We owe you accuracy, not a fiduciary duty.
Sourced from the IRS
Limits, phase-outs, and tax thresholds are drawn from IRS-published materials for tax year 2026. We update within 48 hours of an official IRS change.
Estimates, not promises
Projection results assume the inputs you entered are accurate and that markets behave consistently. Real-world outcomes will differ.
No warranty
We make reasonable efforts to keep calculator formulas, contribution limits, and editorial guides accurate and current. However, the site, its tools, and its content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, or non-infringement.
Limitation of liability
To the maximum extent permitted by applicable law, RothIRACalculator.us, its team, and its contributors will not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of profits, savings, or data — arising from your use of, or inability to use, the site.
Third-party links
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Disclaimer — frequently asked
Quick answers to the most common Roth IRA questions, written by our editorial team.
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Model contributions, conversions and decades of compounding — or compare Roth vs Traditional side-by-side.