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Roth IRA Calculator

Explore your Roth IRA’s potential growth

Project contributions and investment growth, with an optional comparison against a simplified taxable account. All amounts are USD.

Projection begins January 1, 2026. This tool assumes you qualify for the modeled contributions; it does not check income eligibility.

Modeled caps: $7,500 before age 50, $8,600 from the year you turn 50. Planned contributions above the cap are reduced. Future caps remain at 2026 amounts; inflation indexing is not predicted.

Comparison uses identical starting balances and deposits. Tax is deducted at each year-end; negative returns receive no tax credit. Actual taxable-account treatment can differ substantially.

How to use this Roth IRA projection

Enter your age at the end of 2025 and the age at the end of your final projection year. For example, 30 to 65 models 35 full years, from 2026 through 2060, with contributions in each year. It does not calculate from today’s date or from your exact birthday.

Contributions and the 2026 limits

The 2026 combined regular contribution limit across traditional and Roth IRAs is $7,500, or $8,600 if you are 50 or older by year-end, limited further by eligible compensation. This projection assumes sufficient compensation, no contributions to other IRAs, and full direct Roth eligibility every year.

For 2026, Roth MAGI phase-outs are $153,000–$168,000 for single/head-of-household filers and $242,000–$252,000 for married filing jointly. Married filing separately while living with a spouse during the year has a $0–$10,000 range. Other filing circumstances require checking the IRS guidance. These limits are not applied automatically here.

Selecting the modeled maximum uses the entire age-based cap. Otherwise, the smaller of your planned amount and the cap is used. Neither choice estimates future legal limits or verifies your personal allowance.

Investment and tax assumptions

The annual return is effective and constant. For monthly deposits, monthly return = (1 + annual return)1/12 − 1. Contributions are added at the selected beginning or end of each period. Monthly amounts use unrounded annual contributions divided by 12.

The optional taxable comparison taxes each year’s positive growth at your entered flat rate, deducting that tax from the account at year-end. It does not model deferred capital gains, dividend classifications, tax brackets or loss deductions. The balance difference includes both taxes paid and the resulting difference in future growth.

Roth results are account balances, not guaranteed tax-free withdrawal amounts. Qualified-distribution requirements, including applicable five-year and age rules, must be satisfied. Withdrawals, conversions, penalties and contribution eligibility are not modeled. Starting balance plus new contributions is not your historical Roth contribution basis.

Sources: IRS contribution limits · IRS Publication 590-A · IRS Publication 590-B. Rules reviewed September 27, 2026.