Last updated: May 16, 2026. Written and maintained by Jason Lee, Roth IRA Calc editor.
Purpose
Roth IRA Calc is an independent educational site. Its job is to make Roth IRA contribution limits, eligibility rules, growth projections, and account comparisons easier to understand. The site does not recommend securities, brokerages, funds, contribution strategies, conversions, withdrawals, or tax filings for any individual person.
Editorial decisions prioritize accuracy, source clarity, and calculation transparency over growth tactics. If a page cannot be supported by an IRS source, a clearly documented formula, or a plainly labeled assumption, it should not be published as a Roth IRA rule.
Primary sources
Contribution limits, catch-up amounts, phase-out ranges, withdrawal rules, and IRA definitions are checked against official IRS materials whenever possible. The main references are:
Secondary sources may be used for context, but they do not override IRS guidance. If a Roth IRA number on this site conflicts with current IRS guidance, the IRS source controls and the site should be corrected.
Calculator methodology
Each calculator is expected to use a documented formula and a clear list of limitations. The calculator methodology page explains contribution timing, monthly and annual compounding, inflation adjustment, eligibility phase-out rounding, Roth vs Traditional assumptions, Roth vs taxable assumptions, and the retirement target formula.
Projection outputs are examples based on user inputs. They are not forecasts. Return rates, inflation rates, tax rates, and withdrawal rates are planning assumptions, not promises about future markets, tax law, or retirement success.
Review and update schedule
Long-form guides, calculator pages, examples, the FAQ, and methodology pages are reviewed when IRS annual IRA limits are announced, typically in late October or early November for the following tax year. Current-year limits should be updated within seven days after the IRS publishes the official notice.
Pages that depend on IRS limits include a "last updated" or "source-reviewed" note. When a page changes in a way that affects user-visible calculations, examples, or eligibility explanations, the page's modified date and structured data should be updated.
Corrections
Corrections take priority over new feature work. If you find a number that disagrees with an IRS source, a broken formula, a stale contribution limit, or wording that could mislead a reader, send the page URL and a short note to [email protected].
Straightforward numerical corrections are usually reviewed within 24 to 72 hours. More complex tax-rule questions may take longer because they need to be checked against IRS publications or a relevant official form instruction.
Review boundaries
Roth IRA Calc is written and maintained by Jason Lee, Roth IRA Calc editor. Jason is not a CFP, CPA, attorney, registered investment adviser, enrolled agent, or tax professional. The site's source review means that stated limits and formulas are checked against cited materials. It does not mean a licensed professional has approved any user's contribution, conversion, withdrawal, tax return, or investment plan.
The site avoids individualized recommendations. If an answer depends on your full tax return, earned income, employer plan coverage, existing pre-tax IRA balances, state taxes, estate plan, or investment risk tolerance, the site should point you to the relevant rule and encourage professional review rather than giving a personal answer.
Independence
Roth IRA Calc is not affiliated with a brokerage, robo-advisor, insurance company, bank, or financial advisory firm. The site does not include brokerage referral links. If advertising or sponsorships are added in the future, paid placements should be disclosed and kept separate from calculator formulas, IRS source notes, and editorial conclusions.