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- Projects your Roth IRA balance at retirement.
- Uses the 2026 IRA limit of $7,500 plus a $1,100 catch-up from age 50, both editable.
- Shows how much growth you get tax-free and the tax that avoids.
- Includes a year-by-year balance table.
How to use the Roth IRA calculator
Enter your ages
Your current age and the age you plan to retire.
Enter your balance and contribution
Your current Roth IRA balance and how much you add each year.
Set the return and tax rate
Your expected yearly return and the tax rate you might face in retirement.
Read the projection
See your balance at retirement, your tax-free growth and the tax avoided.
How the projection works
Each year
Contribution = the smaller of your amount and the yearly limit
Balance = (last balance + contribution) × (1 + return)
Contributions are assumed at the start of each year. From age 50, the catch-up amount is added to the limit.
2026 IRA limits
Shared across all your traditional and Roth IRAs.
- Contribution limit $7,500
- Catch-up, age 50 and over +$1,100
Income limits decide whether you can contribute directly to a Roth IRA.
Example: starting at 30
$7,500 a year from age 30 to 65 at a 7% return.
- Balance at 65 $1,109,351
- Your contributions $262,500
- Tax-free growth $846,851
- Tax avoided at 22% $186,307
All of the growth can come out tax-free in retirement, which is the main benefit of a Roth.
Roth IRA benefits
Tax-free withdrawals
Qualified withdrawals after 59½, with the account open 5+ years, are tax-free.
No RMDs for the owner
You do not have to take required minimum distributions during your lifetime.
Contributions come out anytime
You can withdraw your contributions (not earnings) at any time without tax or penalty.
Good for early savers
Paying tax now at a lower rate can beat paying it later at a higher one.
This calculator does not check income limits or model taxes on contributions. It gives an estimate, not tax or financial advice. Compare workplace plans with the 401(k) calculator or the 403(b) calculator, and plan withdrawals with the 4% rule calculator.
Roth IRA calculator FAQ
What is a Roth IRA?
An individual retirement account funded with after-tax money. Growth and qualified withdrawals are tax-free.
How much can I put in a Roth IRA in 2026?
$7,500, or $8,600 if you are 50 or older, as long as you have enough earned income and are under the income limits.
What is the difference between a Roth and a traditional IRA?
A traditional IRA may give a tax deduction now, but withdrawals are taxed. A Roth gives no deduction now, but qualified withdrawals are tax-free.
When can I withdraw from a Roth IRA?
Contributions any time. Earnings are tax-free once you are 59½ and the account has been open at least 5 years.
What return should I use?
Many people test a long-term figure such as 6% to 8% for stock-heavy portfolios, and a lower one to see the range.
Does the limit change every year?
Usually, with inflation. You can update it in the advanced settings.