A Roth IRA is one of the few places in the tax code where the government lets you pay tax up front and then never touch your gains again. Every dollar of growth comes out completely tax-free in retirement. This calculator projects that tax-free balance and, because the "Roth vs Traditional" choice comes down to tax timing, it also shows what the same account would be worth after tax inside a Traditional IRA. Enter your details to see which wins for you.