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Maximize Your Roth IRA Contributions with Our Easy-to-Use Calculator

Planning for retirement is essential, and a Roth IRA can be a powerful tool to help you build tax-free savings over time. Our Roth IRA Contribution Calculator makes it easy to determine how much you can contribute based on your income, filing status, and age. Whether you’re just starting or looking to maximize your contributions, this tool provides personalized insights to help you stay within IRS limits and optimize your retirement strategy.

Simply fill out the fields below, and our tool will provide an approximation tailored to your unique situation. Once complete, you can generate a convenient PDF summary to save or print for your records.

Please note: The calculated amount is an estimate for informational purposes only. For specific advice or details about our IRA services, visit our Roth IRA page.

Legend for the Calculator Fields

  1. Name
    • What to Enter: Your full legal name.
    • Tips: Use the name associated with your Self-Directed Roth IRA account for accuracy.
  2. Age
    • What to Enter: Your current age in whole years.
    • Tips: This field is important because individuals aged 50 or older may qualify for additional “catch-up contributions.”
  3. Retirement Age
    • What to Enter: The age at which you plan on retiring.
    • Tips: Adjust this number to see how much you’ll accumulate if you work longer (or not).
  4. Account Balance
    • What to Enter: Your current (starting) balance of your Roth IRA
    • Tips: If you are just starting, enter 0.
  5. Income
    • What to Enter: Your total taxable income for the year.
    • Tips: If your income is below the annual limit, that the most you can contribute for a given year.
  6. 401k Deferral Amount
    • Note: This should say IRA
    • What to Enter: The amount you wish to contribute annually to your Roth IRA (not to exceed $7,000 for 2025).
    • Tips: If you’re age 50 or older, you can increase your contribution by $1,000
  7. Rate of Return
    • What to Enter: Your expected rate of return across your investments
    • Tips: Play with this number based on current market expectations.
  8. Tax Rate
    • What to Enter: Your current tax rate
    • Tips: Your tax rate depends on how much income you have in annually.