Roth IRA calculator
Money in a Roth IRA grows tax-free, and qualified withdrawals in retirement are tax-free too. This calculator projects your balance at retirement from yearly contributions and an expected return. Contributions are capped at the IRS limit: $7,500 for 2026, or $8,600 at age 50 and older.
How the Roth IRA projection works
Each year's contribution (capped at the limit for your age) is added in equal monthly amounts and grows at the expected return. Because qualified Roth withdrawals are tax-free, the whole balance is yours to spend. The last figure is a simple illustration: growth × your retirement tax rate, roughly what the same growth could cost if it were taxed as ordinary income.
Common questions
What is the Roth IRA limit for 2026?
$7,500, or $8,600 if you are 50 or older, per the IRS. High incomes reduce or eliminate how much you can contribute directly.
When can I withdraw from a Roth IRA tax-free?
Your own contributions can come out anytime. Earnings are tax- and penalty-free once you are 59½ and the account has been open at least 5 years, with some exceptions.
Roth IRA vs traditional IRA?
Roth: pay tax now, tax-free later. Traditional: possible deduction now, taxed later. A Roth tends to help more if you expect a higher tax rate in retirement.
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Last reviewed October 31, 2026. This calculator gives estimates for education and planning only. Results depend entirely on the numbers you enter and the assumptions stated on this page; they are not investment, tax or trading advice, and real results will differ.