Roth IRA Calculator: Pension Plan Calculator

Q: Need an IRS financial disclosure for a payment plan?

Use <a href="/calculator/433a.html" title="Form 433-A">433-A</a>, <a href="/calculator/433b.html">433-B</a>, or <a href="/calculator/433f.html">433-F</a>.

Q: How can I plan long-term after-tax savings growth?

Use <a href="/calculator/compound-interest-calculator.html">Compound Interest</a> or <a href="/calculator/retirement-future-value-inflation-calculator.html">Future Value (inflation)</a>.

Q: What investment return do I need to hit a savings goal?

Use <a href="/calculator/CAGR-calculator.html" title="CAGR Calculator">CAGR</a> or <a href="/calculator/compound-interest-calculator.html" title="Compound Interest Calculator">Compound Interest</a>.

The Roth IRA Calculator provides and annual projection of your investment and how the interest growth accumulates during the period of your pension plan. Unlike Traditional IRA Pension plans, with Roth IRA (Individual Retirement Agreement) you pay tax on your contributions as you pay into the fund, but withdraw the funds tax-free in retirement.

You may also like to try our Traditional IRA calculator and / or compare pensions plans using the Retirement Savings Comparison - ROTH and IRA calculator.

Roth IRA Calculator
Detail	Figures	Comments
Annual Contribution $		Enter your annual contribution either before or after tax
Contribution is amount paid		Select "Before Tax" or "After Tax" from dropdown
Current Tax Rate		(only required if contribution is before tax)
Nett Amount		Annual contibution allowing for tax.
Saving period (years)		Number of years to maturity
Rate of Return (%)		Interest rate payable annually on anniversary
Maturity amount $		Total fund you can withdraw for your retirement on maturity

The payment schedule below is based on a fixed annual contribution and rate of return as above

Payment Schedule
Payment number	Nett Payment Amount	Interest	Balance

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Currency

Tip: use the Advanced Tax Calculator and enter your IRA payments to see how this affects your taxable income. Depending on your current income and the income you expect to have during retirement, you may pay less tax and access more or your earning with a Traditional IRA Pension. Use the Retirement Savings Comparison - ROTH and IRA calculator to compare how the two pension plans could work to your advantage in retirement.

The Roth IRA Calculator provides and annual projection of your investment and how the interest growth accumulates during the period of your pension plan.

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Frequently Asked Questions

Need an IRS financial disclosure for a payment plan?

Use 433-A, 433-B, or 433-F.

Why does FICA change during the year?

Social Security stops at the wage cap, while Medicare continues all year.

How can I plan long-term after-tax savings growth?

Use Compound Interest or Future Value (inflation).

How are estates handled federally?

Use Form 706 (and related schedules) for estate tax modeling.

What investment return do I need to hit a savings goal?

Use CAGR or Compound Interest.

Important Notes

All calculations are estimates for guidance only. Always review your return and consider professional advice when submitting official filings.