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Roth IRA Calculator

See what your Roth IRA grows to by retirement, how much of it is tax-free growth, and how much you are allowed to contribute in 2026 at your income.

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Current age

yrs

Retirement age

yrs

Current Roth IRA balance

Annual contribution

2026 limit: $7,500, or $8,600 at 50+.

Expected annual return

7% is a common long-run stock assumption; 4–5% is conservative.

Tax rate (for the taxable comparison)

Applied to a regular brokerage account's yearly growth.

Contributions are made

Roth IRA balance at age 65

$1,162,734

$267,500 contributed + $895,234 tax-free growth

Years of contributions: 35
Total contributions (incl. starting balance): $267,500
Tax-free growth: $895,234
Growth share of the balance: 77%
Same savings in a taxable account (22% tax on growth): $818,445
Roth advantage: $344,288

Year by year (growth is the investment return earned that year)
Age	Contribution	Growth	Roth balance	Taxable account
31	$7,500	$875	$13,375	$13,183
32	$7,500	$1,461	$22,336	$21,812
33	$7,500	$2,089	$31,925	$30,912
34	$7,500	$2,760	$42,185	$40,509
35	$7,500	$3,478	$53,162	$50,631
36	$7,500	$4,246	$64,909	$61,305
37	$7,500	$5,069	$77,477	$72,561
38	$7,500	$5,948	$90,926	$84,433
39	$7,500	$6,890	$105,316	$96,952
40	$7,500	$7,897	$120,713	$110,155
41	$7,500	$8,975	$137,188	$124,079
42	$7,500	$10,128	$154,816	$138,764
43	$7,500	$11,362	$173,678	$154,250
44	$7,500	$12,682	$193,860	$170,581
45	$7,500	$14,095	$215,456	$187,804
46	$7,500	$15,607	$238,562	$205,968
47	$7,500	$17,224	$263,287	$225,123
48	$7,500	$18,955	$289,742	$245,325
49	$7,500	$20,807	$318,049	$266,629
50	$7,500	$22,788	$348,337	$289,096
51	$7,500	$24,909	$380,746	$312,791
52	$7,500	$27,177	$415,423	$337,778
53	$7,500	$29,605	$452,528	$364,131
54	$7,500	$32,202	$492,230	$391,922
55	$7,500	$34,981	$534,711	$421,230
56	$7,500	$37,955	$580,165	$452,139
57	$7,500	$41,137	$628,802	$484,735
58	$7,500	$44,541	$680,843	$519,111
59	$7,500	$48,184	$736,527	$555,364
60	$7,500	$52,082	$796,109	$593,596
61	$7,500	$56,253	$859,862	$633,916
62	$7,500	$60,715	$928,077	$676,438
63	$7,500	$65,490	$1,001,067	$721,281
64	$7,500	$70,600	$1,079,167	$768,572
65	$7,500	$76,067	$1,162,734	$818,445

How this was calculated

Each year the balance grows by 7% and you add $7,500 at the start of the year.
Future value = B₀(1 + r)^N + C × ((1 + r)^N − 1) / r × (1 + r), with B₀ = $5,000, C = $7,500, r = 0.07, N = 35 → $1,162,733.86.
The taxable comparison grows at r × (1 − tax) = 5.46% a year → $818,445.47.

Can you contribute the full amount in 2026?

Filing status

Modified AGI (MAGI)

Phase-out range: $153,000 – $168,000.

Your maximum 2026 Roth IRA contribution

$7,500

Your income is below the phase-out range, so you can contribute the full amount.

2026 IRS limits. Projections assume a constant return and qualified (tax-free) withdrawals; they are estimates, not financial or tax advice.

How this Roth IRA calculator works

A Roth IRA is funded with money you have already paid tax on. In exchange, everything it earns comes out tax-free in retirement, as long as you are 59½ and the account is at least five years old. This Roth IRA calculator projects your balance year by year: each year it adds your contribution (at the start or end of the year) and grows the balance by your expected return. The headline number is what you would have at retirement, split into what you put in and the growth you will never pay tax on.

The math is the future value of a starting balance plus an annuity: FV = B₀(1 + r)^N + C × ((1 + r)^N − 1) / r, where B₀ is today's balance, C the yearly contribution, r the return and N the number of years. Contributions at the start of the year are multiplied by one extra (1 + r) because they get a full year of growth.

Worked example

Put $7,000 into a Roth at the end of every year for 30 years and earn 7% a year. The annuity factor is (1.07³⁰ − 1) / 0.07 = 94.46, so the balance is $7,000 × 94.46 = $661,226. You contributed $210,000; the other $451,000 is growth. In a regular brokerage account where that growth was taxed every year at 22%, the same savings would grow at about 5.5% and end near $500,000, so the Roth is worth roughly $160,000 more. The comparison in the calculator uses a flat tax drag like this; real taxable accounts are often a bit better because long-term capital gains are taxed only when you sell.

2026 Roth IRA contribution and income limits

For 2026 you can contribute up to $7,500, or $8,600 if you are 50 or older, but never more than your earned income. The limit shrinks as your modified adjusted gross income (MAGI) rises through the phase-out range: $153,000–$168,000 for single filers and heads of household, $242,000–$252,000 for married couples filing jointly, and $0–$10,000 for married filing separately. Inside the range the IRS formula is your limit × (top of range − MAGI) ÷ range width, rounded up to the next $10, with a $200 minimum. A 40-year-old single filer with $160,000 MAGI can put in $4,000.

Common mistakes

Mixing up the IRA and 401(k) limits. The $7,500 IRA limit is separate from the 401(k) limit; you can max out both.
Using gross income for the phase-out. The test uses MAGI, which is your AGI with a few items added back. For most employees it is close to the AGI line on Form 1040.
Assuming the return is guaranteed. 7% is a long-run average for a stock-heavy portfolio, not a promise. Try 5% to see a more cautious outcome.

When the result is misleading

The projection keeps the return and your contribution constant for decades, while real markets jump around and limits rise with inflation. It shows nominal dollars, so $661,000 in 30 years will buy roughly what $270,000 buys today at 3% inflation. And it assumes qualified withdrawals; taking earnings out early can trigger tax and a 10% penalty. Use it to compare scenarios, and compare with the 401(k) calculator to decide where your next dollar should go.

Frequently asked questions

What is the Roth IRA contribution limit for 2026?

$7,500, or $8,600 if you are 50 or older by the end of the year ($7,500 plus a $1,100 catch-up). You also cannot contribute more than your earned income for the year.

What are the 2026 Roth IRA income limits?

The limit phases out between $153,000 and $168,000 of modified AGI for single filers and heads of household, and between $242,000 and $252,000 for married couples filing jointly. Married filing separately phases out between $0 and $10,000.

How is a reduced Roth contribution calculated?

Multiply your limit by (top of the range − your MAGI) ÷ the width of the range, then round up to the next $10. A single filer age 40 with $160,000 MAGI can contribute $7,500 × 8,000 ÷ 15,000 = $4,000. Any result between $0 and $200 becomes $200.

How much will my Roth IRA be worth?

Contributing $7,000 at the end of every year for 30 years at a 7% return grows to about $661,000, of which $210,000 is contributions and about $451,000 is growth you never pay tax on if the withdrawal is qualified.

When can I withdraw from a Roth IRA tax-free?

Your contributions can be withdrawn at any time tax- and penalty-free. Earnings are tax-free once you are 59½ and the account has been open at least five years; earlier withdrawals of earnings may owe tax and a 10% penalty.

Learn more

Roth IRA Income Limits 2026: Phase-Out Ranges, Contribution Limits and Examples5 min read

Key terms

Glossary →

Modified Adjusted Gross Income (MAGI): Modified adjusted gross income (MAGI) is adjusted gross income with certain deductions and exclusions added back; the IRS uses it to test eligibility for Roth IRAs, credits and deductions.
Required Minimum Distribution (RMD): A required minimum distribution (RMD) is the minimum amount the IRS requires you to withdraw each year from most tax-deferred retirement accounts once you reach RMD age, currently 73.