Roth IRA Calculator
Project your tax-free Roth IRA balance at retirement.
Estimate only — not financial advice. Qualified Roth IRA withdrawals are tax-free, so the projected balance is what you keep. Returns are compounded annually on a level contribution. The 2026 IRA contribution limit is $7,500 ($8,600 if you are 50 or older), subject to income phase-outs.
Free Roth IRA calculator. Enter your age, current balance, annual contribution and expected return to project your tax-free balance at retirement and see how much is contributions versus growth. Reflects the 2026 IRS contribution limit. Runs in your browser.
How to use the Roth IRA Calculator
- 01Enter your current age, target retirement age and current Roth IRA balance.
- 02Enter your annual contribution and expected annual return.
- 03See your projected tax-free balance and how it splits between contributions and growth.
Frequently asked questions
What is the 2026 Roth IRA contribution limit?
For 2026 you can contribute up to $7,500 to a Roth IRA, or $8,600 if you are 50 or older. Contributions phase out at higher incomes, so high earners may be limited or use a backdoor Roth.
Why is the balance called tax-free?
Roth contributions are made with after-tax money, so qualified withdrawals in retirement — including all the growth — are not taxed. The projected balance is what you actually keep.
How is the projection calculated?
It compounds your current balance and a level annual contribution at your expected return until retirement. It is an estimate, not financial advice, and real returns will vary from year to year.