What this site is
Roth IRA Calc is an independent, free Roth IRA planning resource. The site brings together four calculators — a growth projector, an eligibility checker, a Roth vs Traditional comparison, and a Roth vs Taxable comparison — and pairs them with plain-language guides built on current IRS rules. Everything runs in your browser. No account, no email, no tracking of inputs.
The site exists because most Roth IRA calculators on the web fall into one of two camps. The first belongs to brokerages whose ultimate goal is selling you an account or a fund. The second comes from large publishers whose tools are buried in articles, slow to load, and often a year or two behind on contribution limits. Roth IRA Calc focuses on one job: returning accurate, IRS-current numbers in the time it takes to type your age.
Who built it
Roth IRA Calc is written and maintained by Jason Lee, Roth IRA Calc editor. Jason is an independent developer and editor with a long-running personal interest in U.S. retirement accounts and tax-advantaged saving. He is not a CFP, CPA, attorney, registered investment adviser, or tax professional.
Roth IRA Calc has no affiliation with any brokerage, advisor, insurance company, robo-advisor, or product issuer. Nothing on the site is sponsored. There are no referral links to brokerages. The calculators do not push you toward any provider.
The calculators are maintained directly by the site editor. The educational content is sourced from primary IRS documents — Publication 590-A, Publication 590-B, and the current-year IRS Notice that publishes annual limits — and cross-checked against IRS.gov before publication.
Editorial standards
Roth IRA Calc uses a source-first editorial process. Contribution limits, catch-up amounts, income phase-out ranges, withdrawal rules, and IRA definitions are checked against IRS materials before publication. Calculator formulas are documented on the methodology page, and the site maintains a separate editorial policy for sources, corrections, update cadence, and review boundaries.
Source review does not mean licensed professional review. It means the site editor has checked the stated number, rule, or formula against the cited source and has identified the assumptions used by the calculator. The site avoids individualized recommendations and does not answer questions that require a user's full tax return, investment portfolio, state tax situation, or estate plan.
How information is kept current
Every contribution limit, phase-out threshold, catch-up amount, and tax-related figure on this site is sourced from official IRS publications. Each guide and calculator includes a direct link to the IRS source so you can verify the number yourself before acting on it.
IRS contribution limits typically update in late October or early November for the following tax year. When that announcement happens, the calculators, default values, examples, and guides on this site are updated within seven days. The "last updated" date is included on long-form pages.
Corrections and review timeline
If you find a stale limit, a calculation that appears incorrect, a broken IRS link, or wording that could mislead a reader, send the page URL through the Contact page. Straightforward numerical corrections are prioritized and are usually reviewed within 24 to 72 hours. More complex rule questions may take longer because they need to be checked against IRS publications or official form instructions.
What this site is not
Roth IRA Calc is not a financial advisor, tax professional, registered investment adviser, or licensed planner. The calculators are educational. They show what could happen under a specific set of assumptions you provide. They do not predict markets, account for your full tax situation, or replace personalized advice.
If you are making a real decision — opening an account, contributing near a phase-out range, converting a traditional IRA to a Roth, executing a backdoor Roth, planning withdrawals, or thinking about estate implications — please consult a CFP, CPA, or licensed tax professional familiar with your specific circumstances.
How to contact
Questions, corrections, embed requests, or feedback: see the Contact page.
If you find a number that disagrees with current IRS guidance, please flag it. Corrections take priority over everything else on this site.
Last updated
This About page was last updated on May 16, 2026 to clarify the editor role, source review process, and correction policy.