Roth IRA Calculator
Project how much your Roth IRA could be worth by retirement, or check how much you are allowed to contribute for 2026 at your income. Both results show the steps behind the numbers.
Last updated November 3, 2026
Result
Tax-free balance after 30 years = $604,825.99
| Measure | Value |
|---|---|
| Final balance | $604,825.99 |
| Total contributed | $185,000.00 |
| Earnings | $419,825.99 |
| Year | Total contributed | Balance |
|---|---|---|
| Year 1 | $11,000 | $11,350 |
| Year 2 | $17,000 | $18,145 |
| Year 3 | $23,000 | $25,415 |
| Year 4 | $29,000 | $33,194 |
| Year 5 | $35,000 | $41,517 |
| Year 6 | $41,000 | $50,423 |
| Year 7 | $47,000 | $59,953 |
| Year 8 | $53,000 | $70,150 |
| Year 9 | $59,000 | $81,060 |
| Year 10 | $65,000 | $92,734 |
| Year 11 | $71,000 | $105,226 |
| Year 12 | $77,000 | $118,592 |
| Year 13 | $83,000 | $132,893 |
| Year 14 | $89,000 | $148,196 |
| Year 15 | $95,000 | $164,569 |
| Year 16 | $101,000 | $182,089 |
| Year 17 | $107,000 | $200,835 |
| Year 18 | $113,000 | $220,894 |
| Year 19 | $119,000 | $242,356 |
| Year 20 | $125,000 | $265,321 |
| Year 21 | $131,000 | $289,894 |
| Year 22 | $137,000 | $316,186 |
| Year 23 | $143,000 | $344,319 |
| Year 24 | $149,000 | $374,422 |
| Year 25 | $155,000 | $406,631 |
| Year 26 | $161,000 | $441,096 |
| Year 27 | $167,000 | $477,972 |
| Year 28 | $173,000 | $517,430 |
| Year 29 | $179,000 | $559,650 |
| Year 30 | $185,000 | $604,826 |
A projection, not a promise: real returns vary year to year. The 2026 limit is $7,500.00 ($8,600.00 from age 50). Qualified withdrawals are tax-free.
Show the work
Formula: Each year: balance = previous balance × (1 + return) + contribution. Contributions are made at the end of the year.
- You entered a $5,000.00 balance, $6,000.00 a year, 30 years, 7% a year.
- Year 1: $5,000.00 × 1.0700 + $6,000.00 = $11,350.00.
- Year 2: $11,350.00 × 1.0700 + $6,000.00 = $18,144.50.
- Repeating for 30 years gives $604,825.99.
- Contributed: $5,000.00 + $6,000.00 × 30 = $185,000.00. Earnings: $604,825.99 − $185,000.00 = $419,825.99.
Result: Tax-free balance after 30 years = $604,825.99
How the Roth IRA calculator works
balance = previous balance × (1 + return) + contribution
The growth projection starts with your current balance. Each year the balance earns the return you entered, then your yearly contribution is added at the end of the year. Repeating this for the number of years gives the final balance. Subtracting everything you put in leaves the earnings.
The limit check compares your modified adjusted gross income (MAGI) with the IRS phase-out range for your filing status. Below the range you can contribute the full limit, above it you cannot contribute directly, and inside it the limit shrinks in proportion to how far into the range your income sits.
See how we calculate for the formulas, sources and review schedule behind every calculator.
Also useful alongside this calculator: Loan Payment Calculator, Take-Home Pay Calculator and Annuity Calculator.
2026 Roth IRA contribution limits
For 2026 you can contribute up to $7,500 to all of your IRAs combined, or $8,600 if you are 50 or older by the end of the year. You also cannot contribute more than your taxable compensation for the year.
Roth contributions phase out between $153,000 and $168,000 of MAGI for single filers and heads of household, and between $242,000 and $252,000 for married couples filing jointly. For married people filing separately who lived with their spouse, the range is $0 to $10,000.
How the income phase-out works
Inside the range the limit is the full limit times (top of the range − your MAGI) ÷ (width of the range), rounded up to the next $10. Any result above zero but under $200 is raised to $200.
A single filer with a MAGI of $160,500 is exactly halfway through the $15,000 range, so the limit is $3,750. At $165,000 it is $1,500. At $168,000 or more it is $0. For a married couple filing jointly, $247,000 gives $3,750 and $250,000 gives $1,500.
Why a Roth IRA grows tax-free
You pay tax on the money before it goes in, so qualified withdrawals in retirement, including all the growth, are not taxed. That is the opposite of a traditional IRA, where contributions may be deductible and withdrawals are taxed. The projection shows the full balance because none of it is owed to the tax office when withdrawn under the qualifying rules.
Withdrawals of earnings before age 59½, or before the account is five years old, can trigger tax and a penalty. Your own contributions can generally be taken out at any time, but check the current IRS rules before you do.
What time and return do to the result
Time matters more than any single contribution. At 7% a year, $7,500 saved each year grows to $103,623 in 10 years, $307,466 in 20 years, $708,456 in 30 years and $1,497,263 in 40 years. The last decade alone adds more than the first three.
The return you assume matters too. Over 30 years the same contributions reach $498,291 at 5%, $592,936 at 6%, $708,456 at 7% and $849,624 at 8%. Real returns are uneven and can be negative in some years, so treat the figure as an illustration and try a lower return as well.
General information, not financial advice
This calculator gives a general estimate from the numbers you enter. It is not financial or tax advice, and your actual results can differ. Check important decisions with a qualified professional or the official source.
Sources
Official and primary sources for the statements on this page. Their authors have not reviewed or endorsed this page.
- Internal Revenue Service, “401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500”, IRS news release, November 2025.. The 2026 IRA limit of $7,500, the $1,100 catch-up from age 50 and the Roth IRA income phase-out ranges.
The rounding rule for a reduced contribution (up to the next $10, with a $200 minimum) comes from the worksheet in IRS Publication 590-A. Growth projections use the return you enter, which is an assumption and not a forecast.
How to use the Roth IRA Calculator
- Choose Balance at retirement or 2026 contribution limit.
- For growth, enter your current balance, yearly contribution, years and expected return.
- For the limit, enter your filing status, MAGI and age.
- Read the result and the steps, then Copy, Print or Share.
Worked example
You start with nothing and contribute $7,500 at the end of each year for 30 years at a 7% return. After year 1 the balance is $7,500. After year 2 it is $7,500 × 1.07 + $7,500 = $15,525. After 30 years it is $708,455.90. You contributed $225,000, so $483,455.90 is earnings.
| MAGI | 2026 limit |
|---|---|
| $153,000 or less | $7,500 |
| $155,000 | $6,500 |
| $160,500 | $3,750 |
| $165,000 | $1,500 |
| $168,000 or more | $0 |
Frequently asked questions
What is the Roth IRA contribution limit for 2026?
It is $7,500, or $8,600 if you are 50 or older, and it is reduced if your income is inside the phase-out range for your filing status.
What is MAGI?
Modified adjusted gross income is your adjusted gross income with some deductions added back. Your tax return worksheet or a tax professional can tell you the exact figure.
What if my income is too high?
You cannot contribute directly above the range. Some people use other routes, but those have their own tax rules, so ask a tax professional.
Is the projected balance guaranteed?
No. It uses a steady yearly return that you choose. Real investments rise and fall, and fees are not included.
Are my numbers stored or sent anywhere?
No. The calculation runs in your browser and nothing you enter is saved or uploaded.