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Roth IRA Calculator

Project what your Roth IRA will be worth at retirement. Enter your age, retirement age, current balance and either the maximum contribution — the 2026 limit, with the catch-up added automatically from age 50 — or an amount you choose. The calculator also shows how much the same savings would grow to in a taxable account.

Quick examples
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For the comparison only: the share of each year’s return lost to tax outside a Roth.

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Roth IRA at retirement$1,245,693.62

Tax-free to withdraw after 59½ once the account is 5 years old.

Total contributions
$279,000.00
Tax-free growth
$956,693.62
Starting balance
$10,000.00
Same savings in a taxable account
$978,744.24
Roth advantage
$266,949.38
Your 2026 contribution limit
$7,500.00
Where the balance comes from
  • Starting balance
  • Contributions
  • Tax-free growth

Balance by age

AgeContributedRoth IRATaxable account

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    Your recent calculations

    Results you calculate here are kept on this device so you can come back to them.

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      Formula

      Each year: balance = (balance + contribution) × (1 + return)
      Taxable account: the same, but the return is reduced by your tax rate on it: × (1 + return × (1 − tax rate))
      Maximum contribution (2026 limit): $7,500, or $8,600 in years you are 50 or older
      Roth advantage = Roth balance − taxable account balance

      How to use it

      1. Enter your current age, the age you plan to retire and your Roth balance today.
      2. Choose the 2026 maximum or enter your own yearly amount.
      3. Set the expected return, and a tax rate for the taxable-account comparison.
      4. Read the balance at retirement; the table shows it at every age.

      Worked examples

      Age 30 with $10,000, contributing the maximum each year until 65 at 7%

      Roth IRA at retirement
      $1,245,693.62
      Total contributions
      $279,000.00
      Tax-free growth
      $956,693.62
      Same savings in a taxable account
      $978,744.24
      Roth advantage
      $266,949.38
      Your 2026 contribution limit
      $7,500.00

      $6,000 a year from 25 to 35 at 6%, versus a taxable account taxed at 15%

      Roth IRA at retirement
      $83,829.86
      Total contributions
      $60,000.00
      Tax-free growth
      $23,829.86
      Same savings in a taxable account
      $79,687.38
      Roth advantage
      $4,142.47

      Maxing out from 48 to 52 with no growth: the limit rises to $8,600 at 50

      Roth IRA at retirement
      $32,200.00
      Total contributions
      $32,200.00
      Tax-free growth
      $0.00
      Your 2026 contribution limit
      $7,500.00

      US Roth IRA rules

      For 2026 the IRS limit is $7,500 a year, plus a $1,100 catch-up from age 50 ($8,600). The limit is shared across all your IRAs, traditional and Roth, and you cannot contribute more than your taxable compensation for the year. Contributions for a year can be made until that year’s tax-filing deadline.

      Direct Roth contributions phase out above income limits that the IRS sets each year; above them, people often use a “backdoor” Roth conversion. You can withdraw your contributions at any time without tax or penalty; earnings come out tax-free once you are 59½ and the account is at least five years old. Roth IRAs have no required minimum distributions for the original owner.

      How the projection works

      Contributions are made at the start of each year and returns compound yearly. The maximum option holds the limit at 2026 levels; the IRS raises limits with inflation over time, so you may be able to save more later. The taxable comparison treats the tax as a steady drag on each year’s return, which is a simplification. Returns are not guaranteed — this is an estimate, not financial advice.

      Questions people ask

      How much will my Roth IRA be worth at retirement?

      Starting at 30 with $10,000 and contributing the maximum each year until 65 at a 7% return, about $1,245,694 — $279,000 of contributions and $956,694 of tax-free growth.

      What is the Roth IRA contribution limit for 2026?

      $7,500, or $8,600 if you are 50 or older. It is a combined limit for all your traditional and Roth IRAs.

      How much is a Roth IRA worth compared with a taxable account?

      Contributing $6,000 a year from 25 to 35 at 6% gives $83,829.86 in a Roth versus $79,687.38 in a taxable account taxed at 15% of the return — $4,142.47 more, and the gap widens the longer you hold.

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