Under age 50
$7,500
per year, across all your IRAs
Roth IRA Calculator
Enter five numbers to see how much your Roth IRA could be worth when you retire, all of it tax-free.
Your Roth IRA at age 65
$0
Tax-free in retirement
- You put in
- $0
- Tax-free growth
- $0
- Total at retirement
- $0
Your contribution is above the IRS limit, so we used $7,500 a year ($8,600 from age 50).
Growth over time
- You put in
- Tax-free growth
Show year-by-year table
| Age | Added | Growth | Balance |
|---|
For illustration only, not financial or tax advice. Assumes annual compounding and end-of-year contributions, capped at 2026 IRS limits. Qualified withdrawals require age 59½ and an account open at least 5 years. Income limits may reduce what you can contribute.
How this Roth IRA calculator works
Three steps, repeated every year until you retire.
- 01
Start with your balance
We begin with what's already in your Roth IRA today.
- 02
Add your contribution
Each year we add your contribution, up to the IRS limit for your age.
- 03
Grow it tax-free
The total grows at your expected return, with no tax taken out along the way.
Formula per year
Balance = (Last balance + Contribution) × (1 + Return) 2026 Roth IRA contribution & income limits
You can contribute until your tax filing deadline, usually April 15 of the following year.
Age 50 and older
$8,600
includes the $1,100 catch-up
| Filing status | Full contribution | Reduced | Not eligible |
|---|---|---|---|
| Single / head of household | Under $153,000 | $153,000–$168,000 | $168,000+ |
| Married filing jointly | Under $242,000 | $242,000–$252,000 | $252,000+ |
| Married filing separately* | — | $0–$10,000 | $10,000+ |
*If you lived with your spouse at any time during the year.
Roth IRA vs. Traditional IRA
The main question is when you pay tax: now or in retirement.
| Feature | Roth IRA | Traditional IRA |
|---|---|---|
| Contributions | After-tax money | Often tax-deductible |
| Qualified withdrawals | Tax-free | Taxed as ordinary income |
| Required minimum distributions | None for the original owner | Start at age 73 |
| Withdraw contributions early | Anytime, tax- and penalty-free | Taxed, plus a 10% penalty before 59½ |
| Usually better if… | You expect a higher tax rate later | You expect a lower tax rate later |
FAQ
How accurate is a Roth IRA calculator?
It is only as good as its assumptions. Real market returns fluctuate every year, so treat the result as an estimate. We recommend comparing a conservative return (4–5%) against an optimistic one (7–8%).
What is the Roth IRA contribution limit for 2026?
For 2026, the limit is $7,500 if you are under 50, or $8,600 if you are 50 or older (including the $1,100 catch-up). The limit is shared across all your IRAs.
What if my income is too high?
Above the modified adjusted gross income (MAGI) limits, direct contributions phase out. Investors often use a 'backdoor Roth IRA' conversion instead. Consult a licensed tax advisor.
Can I take money out before retirement?
You can withdraw your regular contributions at any time without tax or penalty. Earnings are tax- and penalty-free once you reach age 59½ and have satisfied the 5-year aging rule.