Roth IRA
A Roth IRA is a retirement account you fund with after-tax money, so qualified withdrawals in retirement — including all the growth — are completely tax-free. You get no deduction now, but decades of compounding come out untaxed, and there are no required minimum distributions during your lifetime.
The 2026 contribution limit is $7,500 ($8,600 with the age-50+ catch-up), and the ability to contribute phases out at higher incomes. Because you can withdraw your contributions (not earnings) anytime penalty-free, a Roth doubles as a flexible backup — though leaving it to compound is almost always the better move.
Put it to work
Roth IRA Calculator
Project your Roth IRA's tax-free value at retirement and see how much of it is earnings you'll never pay tax on. Uses the 2026 limit of $7,500.
Retirement Calculator
Project your retirement savings: what your balance could reach by retirement age and the monthly income it could sustainably provide.
Compound Interest Calculator
See how your savings grow with compound interest and monthly contributions — final balance, interest earned, and a year-by-year growth table.