Calculator Comparison

Retirement Savings Calculator vs Roth IRA Calculator

Not sure which calculator to use? Here's a side-by-side comparison of the Retirement Savings Calculator and Roth IRA Calculator to help you pick the right one for your needs.

Retirement Savings Calculator

Investment & Retirement

Determine if you're saving enough for retirement. Enter your current savings, monthly contributions, age, and goals to project whether you'll have enough to retire comfortably.

What you enter

Current Age
Planned Retirement Age
Current Retirement Savings
Monthly Savings
Expected Annual Return

What you get

Projected Retirement Savings(primary)
Estimated Monthly Income (4% Rule)
Total Contributions
Investment Growth

Includes visual area chart breakdown

Use Retirement Savings Calculator

Roth IRA Calculator

Investment & Retirement

Project the growth of your Roth IRA contributions over time and see how tax-free compounding builds your retirement wealth.

What you enter

Current Age
Retirement Age
Current Roth IRA Balance
Annual Contribution
Expected Annual Return

What you get

Projected Roth IRA Balance(primary)
Total Contributions
Tax-Free Growth
Estimated Tax Savings

Includes visual area chart breakdown

Use Roth IRA Calculator

Key Differences

Feature	Retirement Savings Calculator	Roth IRA Calculator
Category	Investment & Retirement	Investment & Retirement
Inputs	5 required fields	5 required fields
Outputs	4 results	4 results
Chart	area chart	area chart
FAQs	3 answered	3 answered

Input Comparison

Shared Inputs

Current Age
Expected Annual Return

Only in Retirement Savings Calculator

Planned Retirement Age
Current Retirement Savings
Monthly Savings

Only in Roth IRA Calculator

Retirement Age
Current Roth IRA Balance
Annual Contribution

Which Calculator Should You Use?

Use the Retirement Savings Calculator if you need to:

Calculate projected retirement savings
When you know your current age and planned retirement age
Want a visual area chart breakdown

Use the Roth IRA Calculator if you need to:

Calculate projected roth ira balance
When you know your current age and retirement age
Want a visual area chart breakdown

Frequently Asked Questions

How much do I need to save for retirement?

A common target is 25 times your desired annual retirement spending (based on the 4% rule). If you need $60,000/year in retirement, aim for $1.5 million. Fidelity suggests saving 10x your final salary by age 67.

What is the 4% rule?

The 4% rule suggests you can withdraw 4% of your retirement savings in the first year, then adjust for inflation annually, with a high probability of your money lasting 30 years. A $1M portfolio supports about $40,000/year in withdrawals.

What is the Roth IRA contribution limit?

For 2026, the annual contribution limit is $7,000 for those under 50 and $8,000 for those 50 and older. Income limits may reduce or eliminate eligibility.

What are the income limits for Roth IRA?

For 2026, single filers can contribute fully if MAGI is under $150,000 and partially up to $165,000. Married filing jointly, the phase-out range is $236,000 to $246,000.

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Bottom Line

Choose the Retirement Savings Calculator if you need to calculate projected retirement savings. Use the Roth IRA Calculator if you need to calculate projected roth ira balance. Both calculators are free and require no sign-up.

Use Retirement Savings Calculator Use Roth IRA Calculator

Feature

Retirement Savings Calculator

Roth IRA Calculator

Use the Retirement Savings Calculator if you need to:

Calculate projected retirement savings
When you know your current age and planned retirement age
Want a visual area chart breakdown

Use the Roth IRA Calculator if you need to:

Calculate projected roth ira balance
When you know your current age and retirement age
Want a visual area chart breakdown

Frequently Asked Questions

How much do I need to save for retirement?

What is the 4% rule?

What is the Roth IRA contribution limit?

For 2026, the annual contribution limit is $7,000 for those under 50 and $8,000 for those 50 and older. Income limits may reduce or eliminate eligibility.

What are the income limits for Roth IRA?

For 2026, single filers can contribute fully if MAGI is under $150,000 and partially up to $165,000. Married filing jointly, the phase-out range is $236,000 to $246,000.