Roth IRA Calculator
Estimate your Roth IRA balance at retirement, all of it withdrawable tax-free. We check how much you’re allowed to put in for 2026 based on your age, income and filing status.
≈ $420,486 in today’s dollars at 3% inflation.
Full 2026 limit: $7,500. You’re contributing $7,500 a year.
Year-by-year table
| Age | Added | Growth that year | Total contributed | Balance |
|---|---|---|---|---|
| 31 | $7,500 | $607 | $12,500 | $13,107 |
| 32 | $7,500 | $1,193 | $20,000 | $21,800 |
| 33 | $7,500 | $1,821 | $27,500 | $31,121 |
| 34 | $7,500 | $2,495 | $35,000 | $41,116 |
| 35 | $7,500 | $3,218 | $42,500 | $51,834 |
| 36 | $7,500 | $3,992 | $50,000 | $63,326 |
| 37 | $7,500 | $4,823 | $57,500 | $75,649 |
| 38 | $7,500 | $5,714 | $65,000 | $88,863 |
| 39 | $7,500 | $6,669 | $72,500 | $103,033 |
| 40 | $7,500 | $7,694 | $80,000 | $118,226 |
| 41 | $7,500 | $8,792 | $87,500 | $134,518 |
| 42 | $7,500 | $9,970 | $95,000 | $151,988 |
| 43 | $7,500 | $11,233 | $102,500 | $170,721 |
| 44 | $7,500 | $12,587 | $110,000 | $190,807 |
| 45 | $7,500 | $14,039 | $117,500 | $212,346 |
| 46 | $7,500 | $15,596 | $125,000 | $235,442 |
| 47 | $7,500 | $17,265 | $132,500 | $260,208 |
| 48 | $7,500 | $19,056 | $140,000 | $286,763 |
| 49 | $7,500 | $20,976 | $147,500 | $315,239 |
| 50 | $7,500 | $23,034 | $155,000 | $345,773 |
| 51 | $7,500 | $25,241 | $162,500 | $378,514 |
| 52 | $7,500 | $27,608 | $170,000 | $413,622 |
| 53 | $7,500 | $30,146 | $177,500 | $451,269 |
| 54 | $7,500 | $32,868 | $185,000 | $491,636 |
| 55 | $7,500 | $35,786 | $192,500 | $534,922 |
| 56 | $7,500 | $38,915 | $200,000 | $581,337 |
| 57 | $7,500 | $42,270 | $207,500 | $631,107 |
| 58 | $7,500 | $45,868 | $215,000 | $684,475 |
| 59 | $7,500 | $49,726 | $222,500 | $741,701 |
| 60 | $7,500 | $53,863 | $230,000 | $803,064 |
| 61 | $7,500 | $58,299 | $237,500 | $868,863 |
| 62 | $7,500 | $63,056 | $245,000 | $939,419 |
| 63 | $7,500 | $68,156 | $252,500 | $1,015,075 |
| 64 | $7,500 | $73,625 | $260,000 | $1,096,200 |
| 65 | $7,500 | $79,490 | $267,500 | $1,183,190 |
Ask about your numbers
Get a plain-English read of the result above: what drives it, what to try changing. It sends only the numbers in this calculator and your question. Educational only, not financial advice.
What tax-free growth is really worth
In an ordinary brokerage account, taxes on dividends and realised gains nibble at your return every year. That “tax drag” is often 0.5–1.5 points for a typical fund. A Roth shelters all of it. Same $625 a month, same 7% return before tax:
Roth ends $134,660 ahead
…and the taxable account would still owe capital gains tax when sold. The gap grows faster than the years, because the lost return would itself have compounded.
Roth IRA
$762,482
Taxable account
$627,822 before tax on sale
2026 Roth IRA limits at a glance
| Filing status | Full contribution if MAGI below | No contribution at or above |
|---|---|---|
| Single, head of household | $153,000 | $168,000 |
| Married filing jointly | $242,000 | $252,000 |
| Married filing separately | — | $10,000 |
The contribution limit is $7,500 ($8,600 at age 50+), shared across all your IRAs. You have until the tax-filing deadline in April 2027 to make 2026 contributions. Source: IRS, retirement topics and IR-2025-111. Check your exact eligibility with the 2026 contribution limit checker.
Who gets the most from a Roth IRA
- People in a low bracket today (early career, a gap year, part-time work), because tax paid now is at a lower rate than it may be later.
- Long horizons. The longer the money compounds, the larger the untaxed growth share. At 25 with 40 years to go, growth is typically 80%+ of the ending balance.
- Anyone wanting flexibility. Contributions (not earnings) can be withdrawn at any time, and there are no lifetime RMDs.
Weighing a Roth against a deductible traditional IRA? The Roth vs Traditional calculator puts both side by side after tax.
Questions people ask
What is the Roth IRA contribution limit for 2026?
You can contribute up to $7,500 to IRAs in 2026, or $8,600 if you are 50 or older. The limit is shared across all your traditional and Roth IRAs, and you can’t contribute more than your earned income for the year.
What are the 2026 Roth IRA income limits?
Direct Roth contributions phase 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 (if you lived with your spouse) phases out between $0 and $10,000.
How is a reduced Roth contribution calculated?
Inside the phase-out range the limit shrinks in proportion to how far your MAGI is through the range, rounded up to the next $10. If the result is above zero but below $200, you can still contribute $200 (IRS Publication 590-A worksheet). This calculator applies that rule.
When can I withdraw from a Roth IRA tax-free?
Your own contributions can come out at any time, tax- and penalty-free. Earnings are tax-free once you are 59½ and the account has been open at least five tax years; otherwise earnings may face income tax and a 10% penalty, with some exceptions.
Can I contribute to a Roth IRA if I earn too much?
Not directly, but many people use a “backdoor Roth”: a non-deductible traditional IRA contribution followed by a conversion. The pro-rata rule can make part of the conversion taxable if you hold other pre-tax IRA money, so check with a tax professional.
What were the 2025 Roth IRA limits?
For 2025 the contribution limit was $7,000 ($8,000 at 50+), with the phase-out at $150,000–$165,000 MAGI for single filers and $236,000–$246,000 for married filing jointly (IRS IR-2024-285). Switch the calculator to 2025 to apply them.
How much will my Roth IRA be worth in 20 or 30 years?
Maxing out at $7,500 a year with a 7% average return grows to roughly $307,000 in 20 years and about $708,000 in 30 years, all of it tax-free if withdrawals are qualified. Returns are not guaranteed; change the rate to test cautious and optimistic cases.
Can I contribute to a Roth IRA with no job?
Only if you, or your spouse when filing jointly, have earned income such as wages or self-employment profit. Investment income, pensions and Social Security don’t count. A spousal IRA lets a working spouse fund an IRA for a non-working spouse.
Do Roth IRAs have required minimum distributions?
No. Roth IRAs have no RMDs during the original owner’s lifetime, which makes them useful for leaving money invested longer.