Roth IRA Withdrawal Calculator
Roth IRA Withdrawal Calculator
Qualified Roth IRA withdrawals are tax-free, so leave the tax rate below at 0% unless you're modeling a non-qualified early withdrawal of earnings. Enter your balance to see how long it lasts, either from a monthly withdrawal or a target number of years.
Total spending you want covered, before subtracting guaranteed income below
Lasts about years ( months)
Max sustainable withdrawal: / month
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A note on this account type
Qualified Roth IRA withdrawals (account open 5+ years and you're 59½ or older, among other exceptions) are entirely tax- and penalty-free. Withdrawing earnings early and without an exception can trigger tax plus a 10% penalty on that portion.
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