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Retirement · 401(k), IRA & Roth

Roth IRA Calculator

See the tax-free growth advantage of a Roth IRA over an ordinary taxable account.

  • Free to use here · embed on the Business plan
  • 4 inputs · 5 results
  • English & Spanish

Try the Roth IRA Calculator

See your Roth IRA advantage — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the Roth IRA calculator works out

The Roth IRA Calculator is a free, embeddable calculator from CalcFunnel. See the tax-free growth advantage of a Roth IRA over an ordinary taxable account.

You enter 4 inputs: annual contribution, years to grow, annual return (%) and tax rate on gains (%).

It returns roth IRA value, taxable account value, roth advantage, total contributed and tax-free growth.

Built for financial advisors and planners. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category.

Results it shows

  1. 01Roth IRA Value
  2. 02Taxable Account Value
  3. 03Roth Advantage
  4. 04Total Contributed
  5. 05Tax-Free Growth

The first figure — roth ira value — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Contributions & Growth

Annual Contribution
How much you contribute each year. The 2026 IRA limit is $7,500 ($8,600 if age 50+), shared across all your IRAs.
Years to Grow
Years until you withdraw.
Annual Return (%)
The average annual investment return, compounded monthly.

Tax

Tax Rate on Gains (%)
Your tax rate on investment gains, applied to the taxable account as a drag on its return.

For your website

Embed this calculator on your website

Put the Roth IRA Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Roth IRA calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Roth IRA Calculator calculate?
See the tax-free growth advantage of a Roth IRA over an ordinary taxable account. It returns roth IRA value, taxable account value, roth advantage, total contributed and tax-free growth.
Q.02What information do I need to use the Roth IRA Calculator?
You enter 4 inputs: annual contribution, years to grow, annual return (%) and tax rate on gains (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Annual Contribution” mean in the Roth IRA Calculator?
How much you contribute each year. The 2026 IRA limit is $7,500 ($8,600 if age 50+), shared across all your IRAs.
Q.04What does “Years to Grow” mean in the Roth IRA Calculator?
Years until you withdraw.
Q.05Is the Roth IRA Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category. Compare plans.
Q.06Can I embed the Roth IRA Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Roth IRA Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Roth IRA results financial advice?
No. Estimates only. The taxable account is modeled with annual gains taxed at your rate; Roth grows tax-free on after-tax contributions. Contribution limits, income limits and tax law are not enforced. Consult a tax professional.

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  • 14-day trial on Pro & Business
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