Visualize your tax-free retirement growth over time
Your Details
2026 IRS limit: $7,500 / $8,500 if age 50+
S&P 500 avg ~10% nominal, ~7% inflation-adjusted
Inflation-Adjusted View
Show purchasing power in today's dollars
Final Balance
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Total Contributed
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Total Earnings
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Return Multiple
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money × growth
Retirement Income Estimate 4% Rule
How much you could withdraw each year without running out of money
Conservative (3%)
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— /mo
Standard (4%)
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— /mo
Aggressive (5%)
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— /mo
Based on your projected final balance. The 4% rule (Trinity Study) suggests this rate has historically sustained a portfolio for 30+ years in retirement.
Balance Growth
Contributions
Earnings
Adj.
Year-by-Year Breakdown
Age
Contribution
Total In
Earnings
Balance
Adj. Balance
Frequently Asked Questions
A Roth IRA is an individual retirement account funded with after-tax dollars. Your investments grow tax-free, and qualified withdrawals in retirement are also completely tax-free — making it one of the most powerful retirement savings vehicles available.
For 2026, the Roth IRA contribution limit is $7,500 per year ($8,500 if you are age 50 or older). These limits are set by the IRS and may be adjusted annually for inflation. Income limits also apply — high earners may have a reduced or eliminated ability to contribute directly to a Roth IRA.
The 4% rule is a widely used retirement guideline (from the Trinity Study) suggesting you can withdraw 4% of your portfolio in the first year of retirement, then adjust for inflation each year. Based on historical market data, this strategy has historically allowed portfolios to last 30 or more years. More conservative retirees often use 3–3.5%.
A common assumption is 7% annually, which approximates the S&P 500's historical average return after adjusting for inflation (roughly 10% nominal minus 3% inflation). For a more conservative estimate, 5–6% is often used. Keep in mind past performance does not guarantee future results.
You can withdraw your contributions (not earnings) from a Roth IRA at any time, tax-free and penalty-free. To withdraw earnings tax-free, you generally must be at least 59½ years old and have held the account for at least 5 years. Early withdrawals of earnings may be subject to income tax and a 10% penalty.
Compound growth means your earnings generate their own earnings over time. In a Roth IRA, this compounding happens entirely tax-free — you never owe taxes on dividends, capital gains, or interest earned inside the account. Starting early dramatically amplifies this effect, which is why time in the market is so valuable.