A Roth IRA is funded with money you've already paid tax on, so every dollar it grows is yours to keep, tax-free, in retirement. See what steady contributions could become, and how much a Roth beats an ordinary taxable account.
2026 limit: $7,500/yr, or $8,600 at age 50+.
The tax rate is only used to compare a Roth against a regular taxable account; a Roth itself is never taxed on qualified withdrawals. Historically stocks have returned ~7%/yr after inflation, but returns aren't guaranteed.
At age 65, tax-free
$1,497,263
$1,197,263 of that is tax-free growth
Why a Roth?
Because a Roth is never taxed on growth, you keep about $482,820 more than you would in a regular taxable account at 22% tax.
What builds it
Roth vs. taxable account over time
Estimates only, for planning. Not financial advice.