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What is tax-free growth actually worth?

Same contributions, same returns, one difference: the IRS never touches the Roth. See the gap for yourself.

Your inputs

Current age

Retirement age

Current Roth IRA balance

Annual contribution

2026 IRA limit: $7,500 ($8,600 if 50+). Roth eligibility phases out at higher incomes.

Expected annual return (%)

Tax rate on investment income (%)

Roth IRA at retirement — tax-free

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Same money in a taxable account

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growth taxed along the way

—every dollar of Roth growth comes out tax-free in retirement — and Roth IRAs have no required minimum distributions

Tax-free Roth growth vs. the same savings taxed annually

Roth, traditional, or both — the answer is personal.

The right mix depends on your tax bracket today versus retirement, your income, and your estate goals — including conversion opportunities most people miss. Bring this projection and we'll map your best path.

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HOW IT WORKS & IMPORTANT INFORMATION: Both projections compound your current balance plus annual contributions at your expected return; the taxable-account comparison approximates annual tax drag by reducing the growth rate by your entered tax rate, a simplification of how interest, dividends, and realized gains are actually taxed. Assumes contributions continue every year and returns are constant — real returns vary and may be negative. 2026 IRA contribution limits per IRS: $7,500, plus $1,100 catch-up if 50 or older; Roth IRA eligibility phases out at higher incomes and contribution rules have important exceptions — qualified tax-free withdrawal generally requires age 59½ and the five-year rule. Not tax or investment advice; consult a qualified professional about your situation. Mountain View Wealth Management, LLC · 2611 S Clark St., Suite 600, Arlington, VA 22202 · (571) 368-6178. © 2026 Mountain View Wealth Management, LLC.