Roth Modeler

This calculator is intended only for your personal non-commercial use, and you may not modify, copy, display, distribute, reverse engineer, or otherwise extract any source code, algorithms, methods or techniques embodied in the calculator.

The calculator is provided on an "as is", "where is", "as available" and "with all faults" basis, without warranty of any kind, express or implied, including, without limitation, warranties of merchantability, fitness for a particular use, purpose, title, or non-infringement. In no event shall Fidelity or any of its licensors be liable for any consequential, incidental, special or indirect damages that result from use of or loss of use of the calculator.

This calculator is provided for educational purposes only. You should not rely on it as the primary basis for your investment, financial, or tax planning decisions. Please consult your tax or investment advisor, if applicable.

The calculator does not predict or project the future value of actual holdings in your account. The illustration of future balances should in no way be construed to imply any guarantee of future employment or income.

You are solely responsible for the accuracy of any data you enter into this calculator and the calculations are based on the information you have entered.

Many of the tax provisions in place today may expire or otherwise be wholly changed in future years, such as beneficial rates on capital gains and qualified dividends and the ability to make Roth contributions to a retirement savings plan.

This calculator should not be used as a basis for decision making and is presented only to further illustrate educational concepts about pre-tax contributions vs. Roth contributions.

Your circumstances are unique; therefore, you need to assess your own situation and consult an investment or tax professional if you feel you desire more personal assistance. In addition, your circumstances will probably change over time, so review your financial strategy periodically to be sure it continues to fit your situation.

All examples are hypothetical and are intended for illustrative purposes only.