Roth IRA Calculator
Roth IRA calculator for 2026: project your tax-free retirement balance from contributions, growth rate and years invested.
Editorial review: Farrow (pseudonym; identity and professional credentials are not disclosed). This page is for educational purposes, not professional advice.
Updated
Your inputs
Results update as you type. Nothing you enter leaves your device.
Results
- Starting balance
- $10,000
- Total contributed
- $225,000
- Tax-free growth
- $599,170
Example with the starting values
These results use the calculator's initial inputs. Change the values above to calculate your own estimate.
Inputs
- Current Roth IRA balance
- 10000 $
- Annual contribution (2026 age-based limit)
- 7500 $
- Expected annual growth
- 7 %
- Years until retirement
- 30 yr
Results
- Balance in 30 years
- $834,170
- Starting balance
- $10,000
- Total contributed
- $225,000
- Tax-free growth
- $599,170
How does the Roth IRA Calculator work?
Balance grows each year as (prior balance + this year's contribution) × (1 + growth rate). Contributions and growth are both withdrawn tax-free in retirement when IRS Roth rules are met.
The 2026 Roth IRA contribution limit is $7,500 ($8,600 if age 50 or older), subject to income phase-outs. The age-based catch-up is $1,100.
For example, a $10,000 starting balance with $7,500 added each year at a 7% growth rate reaches about $834,170 in 30 years, with about $599,170 of that being tax-free growth.
Sources
Frequently asked questions
What is the 2026 Roth IRA contribution limit?
$7,500 per year, or $8,600 if you are age 50 or older, subject to income limits.
Are Roth IRA withdrawals really tax-free?
Qualified withdrawals (after age 59½ and the account being open 5+ years) are free of federal income tax.
Is there an income limit for Roth IRA contributions?
Yes, the IRS phases out your ability to contribute directly above certain modified AGI thresholds that adjust yearly.
Does the IRA catch-up contribution change the limit?
Yes. For 2026, eligible contributors age 50 or older can add a $1,100 catch-up to the $7,500 limit.