Roth IRA Calculator
Estimate your Roth IRA balance at retirement, and see your contributions and tax-free growth.
Results
| Item | Value |
|---|
Balance over time
| Age | Total put in | Balance |
|---|
Quick Answer
A Roth IRA balance grows from your starting balance and yearly contributions. For example, starting at age 30 with $5,000 and adding $7,000 a year at a 7% return would reach about $1,021,041 by age 65. For 2026, the contribution limit is $7,500, or $8,600 if you are 50 or older.
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Table of Contents
How This Roth IRA Calculator Works
A Roth IRA is a US retirement account funded with after-tax money. Qualified withdrawals can be tax-free. This calculator estimates how your balance could grow by retirement, using your current balance, yearly contribution and expected return.
Quick explanation: Future balance = growth on your current balance + growth on your yearly contributions.
- Contributions: added at the end of each year in this estimate.
- Return: a steady yearly rate. Real returns go up and down.
- Limit check: you see a warning if you enter more than the 2026 limit for your age.
Core Formulas
- Future value: FV = B × (1 + r) ^ n + C × ((1 + r) ^ n − 1) ÷ r
- With a 0% return: FV = B + C × n
B is your current balance, C is your yearly contribution, r is the yearly return as a decimal, and n is the number of years.
| 2026 rule | Amount |
|---|---|
| Contribution limit, under age 50 | $7,500 |
| Contribution limit, age 50 or older | $8,600 |
| Phase-out, single or head of household | $153,000 to $168,000 |
| Phase-out, married filing jointly | $242,000 to $252,000 |
| Phase-out, married filing separately and lived with spouse | $0 to $10,000 |
Worked Example
You are 30, have $5,000 in a Roth IRA, add $7,000 a year, and expect a 7% yearly return until age 65.
- Years of saving = 35
- Total put in = $5,000 + (35 × $7,000) = $250,000
- Estimated balance = $1,021,041.06
What Can Change Your Result
- Returns: investment returns are not guaranteed, and you can lose money.
- Income: your modified adjusted gross income can reduce or stop what you may contribute.
- Inflation: the future balance will buy less than the same amount today.
- Limits: the IRS changes limits over time, and the limit covers your traditional and Roth IRAs together.
Frequently Asked Questions
You can contribute up to $7,500, or $8,600 if you are 50 or older. You cannot contribute more than your taxable compensation for the year.
Contributions phase out between $153,000 and $168,000 for single filers, and between $242,000 and $252,000 for married couples filing jointly.
Qualified withdrawals are generally tax-free. Rules on age and how long the account has been open apply, so check IRS guidance for your situation.
Use a rate you consider realistic for your investments. Testing a few rates shows how much the result can change.
Yes, if you qualify. Try our 401(k) Contribution Calculator to plan both.
References & Sources
| Source | Used For | Link |
|---|---|---|
| IRS, IRA contribution limits | 2026 contribution limits. | https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits |
| IRS Notice 2025-67 | 2026 Roth IRA income phase-out ranges. | https://www.irs.gov/pub/irs-drop/n-25-67.pdf |
| IRS newsroom, 2026 limit increases | Summary of 2026 retirement limits. | https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500 |